Why use an appraiser or negotiating insurance claims? The insurance companies have their own appraisers or hire appraisers to determine how much you will pay to you. These adjusters work for the insurance company and not for you. It is the insurer who pays them. An Appraiser / Negotiator Publico (Public Adjuster) is a person licensed and authorized by the State of Florida to represent to you. In your negotiations with your insurance company.