What types of adjusters are involved in handling hurricane claims?

During extensive damages like hurricanes, you can typically find the following adjusters conducting fieldwork:
1. Company adjusters. These individuals are employed by the insurance company and are usually licensed adjusters based in Florida (although they may be temporarily assigned from another state).
2. Independent adjusters. These adjusters make a living by handling claims, but despite their name, they are actually contracted to work for the insurance company rather than representing you.
3. Catastrophe (or “cat”) adjusters. The backgrounds of these individuals vary, ranging from limited experience to highly trained professionals. However, they all work on behalf of the insurance company.
4. SIU adjuster. “SIU” refers to the “special investigative unit”. If your adjuster identifies themselves as part of the SIU, it indicates that your insurer suspects you or someone associated with your claim of committing or attempting to commit fraud. In such a situation, it is recommended to promptly seek assistance from a qualified attorney.
5. Public adjusters. These licensed adjusters are employed to work for your benefit.