Tough question. Adjusters are experienced professionals. Best to have a lawyer on your side. Sit down with your lawyer and have a face to face meeting. Then go get a second opinion. At least you will be informed as to the value of your case, and you will have a good feel about whether it is wise to go it alone.
Hire a plaintiff personal injury attorney in your area. Most attorneys will handle the case on a contingency fee basis. You will not have to spend any money on attorney fees, and it sounds like you and your husband will make a substantial recovery.
Goggle Florida Personal Injury Attorney. Look for an attorney that has a free help line. Make sure you talk with an attorney, not a paralegal. The attorney should be able to supply an accurate answer to your question with no charge to you.