State insurance officials and others are working on legislation that would let Alabamians with insurance claims hire their own adjusters, clarifying what has been a gray area of the law. If passed, there’d be no question Alabamians could hire so-called public adjusters to help establish the scope of their losses and probably get more money from their insurance companies. The tradeoff, according to a national insurance trade group that opposes the idea, would likely be higher insurance rates.