A public adjuster helps people file and negotiate insurance claims after a disaster. This brochure explains what they do, how they get paid, and how to choose a trustworthy adjuster. In Florida, public adjusters must be licensed, and their fees are capped at 10% during an emergency and 20% otherwise. It also warns about scams, like adjusters who ask for upfront fees or pressure you to sign a contract. While using a public adjuster may speed up the process, their fee comes from your insurance payout, leaving you with less money for repairs.