What specific actions on a insurance loss claim can be worked under the review of a licensed Public Adjuster but where a non-license person could do such things as taking photos making diagrams?

In order to negotiate with the insurance company for a percentage of the settlement, one must be a licensed public adjuster. All other functions of Public Adjusting can be done by a layman legally. The problem comes in when the insurance company does not recognize your work, not much you can do about that.