In widespread losses such as hurricanes, you will probably find the following adjusters in the field: 1. Company adjusters. These people are employees of the insurance company and are typically licensed as adjusters in Florida (although they may be on temporary duty from another state). 2. Independent adjusters. These are adjusters who adjust for a living, and although they are called “independent”; in fact, they are contracted to work for the insurance company, not you. 3. Catastrophe (or “cat”) adjusters. The background of these individuals vary . . . some have little experience . . . some are highly trained. But they all work for the insurance company. 4. SIU adjuster. “SIU” stands for “special investigative unit”. If your adjuster identifies himself/herself as “SIU”, you can be assured that your insurer suspects that you or someone associated with your claim has committed or attempted to commit fraud. In this event, you should immediately seek the assistance of competent counsel. 5. Public adjusters. These are licensed adjusters who work for you.