You have a choice to make. It is unlikely that AirBNB, the host or either of their carriers will pay anything without obtaining some facts. Whether the adjuster has a conflict as between AirBNB and the host is not relevant to you.
Thus, either you deal with AirBNB/host or the adjuster or you obtain a lawyer to do so on your behalf. How you pay that lawyer and whether it is a contingency or an hourly rate or something else is for you to determine.
What makes sense here is way beyond anything anybody here can advise on as we still don't know how serious the injuries were, how much money is involved, where it all took place, where you reside, and a whole bunch of other facts. Those are largely facts you should not post on an internet forum.