[shrimpman steve]

sounds like he was whats known as a "public adjuster". Their take to handle a claim is usually 10%. I am in the insurance business and must say it is usually worth hiring a "PA" as he will recover more for you than you would recover on your own (which means they usually pay for themselves). 25% is way out of line, however, for those of you who have large claims a "PA" will do all the work for you and count every nut and bolt that you are entittled to. The insurance company uses professional adjusters, which is why you have the right to hire your own adjuster to go head to head with the insurance company.