Should I hire a public adjuster or stick with the insurance company's adjuster? 

She's supported my real estate efforts but doesn't want to be exposed to risk personally.How can I purchase properties in my name and assets alone and god forbid if I get sued keep her protected?

If I fail and need to foreclose, I want her protected as well. 

Anyways, there is a ton you have to know up front to do this correctly and protect yourself.

If anything, you should be on title with them to protect YOUR 20% equity stake.

How do we protect our interests?

Hello Jake,I am not a lawyer, so I am not qualified to tell you what to do in regards to protecting yourself from liability, but I can share with you what I do.I like to keep rentals in their own LLC's as I think they are the most likely to draw a lawsuit.

@Pavlos Kasselouris SEC regulations only come into play when you are dealing with securities (public or private).

I know things cant be perfect, but some things I thought will be fixed:things i wanted fixed:flooring - is a bit dented on one of the units, living room - seems like they just did a quick flip, and floor tiles are not perfect and levelwasher dryer - no hookups and none present - wanted at least a hookup or one in one unitpipe diagram - this i believe should be a must, since i want to know where the pipes run behind the walls. documentation of the flip/fix so I have public records as the new owner on what they actually didrefrigerator/microwaves - this is a must, seller claims broker told me these will not be provided..Not sure what seasoned investors do usually at this point (probably they fix rehab things themselves).

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