I would see what the insurance company offers before you retain a public adjuster.  

There is a lot of misinformation in this thread.  Generalizations that all insurance companies will rip you off and public adjusters are like white knights to the rescue are absurd.

Most PA's I've dealt with are pond scum, while a few have been genuinely good people.  Most PA's don't care about you at all, they're just looking for a slice of your check.  I've seen them help a lot more on structure payments than they do on contents.  Seeing how your separate structures limit will most likely be reached without a PA, that only really leaves contents for a PA to maximize.  However, the only real burden you'll have is providing proof of ownership for your contents loss.  There's no real way that a PA can (legitimately) help with that portion of the claim.  

Again, unless you're looking to freely give away 10% of your separate structures limit, I'd hold off and see how you do on your own.  If you get frustrated with the insurance company, you can always sign with a PA down the road.

Sorry to see that. I have a nice shop that contains just about everything I give a damn about. It's insured mostly, but I never want to have to test it. Fire scares the hell out of me and I try to eliminate hazards. Any idea of the cause?

Investigation concluded the vehicle inside was point of ignition.


now my homeowners is suing the homeowners of the vehicles owner.

I am 2 months back in my home, after my home burned down in a catastrophic fire last year.  We were home and asleep.  I'm lucky to have my family with me today.

Happy to give you my 2 cents on this topic.  send me a message.

Someone else's car was in your garage?

This

His car was being cuckold.