Though your insurance adjuster might be friendly, he or she is not your friend.  Remember, insurance companies are profit-making businesses, and settling a large insurance claim is a business deal.  The more you understand the process, the better you'll do.
Insurance companies will naturally attempt to limit their payouts, as for-profit businesses insurance company contracts are often riddled with confusing and obscure wording and legalese which helps them do just that.  Again, if you feel you are not up to this task, it is recommended that you hire a professional advocate who is familiar with the state laws and regulations established to protect your rights.