Never just accept what the insurance company offers. You almost always end up getting an unfair deal if you leave it entirely up to the insurance company to determine what is owed. Here is the public adjusting procedures in Florida
R E A D M O R E The adjuster will go back to his office and create an estimate of damages, based on the way HE sees it Negotiations begin. Both the insurer and Florida Allstar Public Adjusting will debate the extent and cost of the damage
_Page 10 We will not reach an agreement without consulting with you, the property owner. Once we are in agreement, a release may be signed, and the insurance company issues a check.