In my state you are required to log your attempts to find work after filing for unemployment and turn them in prior to getting further funding each month and the state does do spot checks on that log by contacting the people you listed. Your requirement to search for work is not limited to your field (adjusting) and if they find you have turned down work that was offered, you can be taken off the program. Also, and more importantly for the vendor/employer, is that their employer tax rate can be adjusted upward if there is too much money being pulled out of the fund by their past workers. This is why many employers fight unemployment filings because it will hit their bottom line at some point and increase their base cost of operations for a long time (its hard to get that rate back down). That's also why most vendors pay only as 1099s (unless they have a SF contract that is) which means you can't get unemployment on them.
Filing unemployment is not what the adjusting profession is about here. If you can't find work then you must have a backup plan. If you don't have a backup plan to survive you won't be in this profession very long because we go through LONG periods of no work that, for some, can last years. Of all the adjusters licensed, I'd wager that less than 15% work consistently as non-staff, independent adjusters (daily, CAT, file review,etc).
The golden egg so many envision after going to the explosion of "training" and "licensing" seminars that appeared this past year or after working some major event like Katrina is only realized by a few, many find it is profitable but hollow, others find it to be just gold foil on last year's rotten Easter egg. and others just start a school.