Do I need an public adjuster?

No.  In fact, a public adjuster does not have the ability to file a lawsuit on your behalf.  The Florida Statutes are written in such a way that allows for a homeowner to hire an attorney (at no cost to the homeowner) to fight for their rights under their policy.  Insurance companies can be liable to pay for your attorney's fees under statute, so if you have an attorney on your claim, then the insurance company may take steps to issue proper payment before our fees start to build-up. It is a leverage that cannot be used by a public adjuster.