With this perk, you will find considerably more bottle caps in containers than you normally would. Technically, it gives a 10% chance (CapsFortuneFinder global is assigned from 100 to 90) to get either 110-190 or 20-80 extra bottle caps in containers, depending if container uses CapsChangeFortuneFinder (player level based, former range) or CapsFortuneFinder (random, later range) leveled lists.
Upon reaching level 4 in Fortune Finder there is a chance with every kill that caps will explode from the enemy killed. Upon death, there is a sound of caps hitting the floor (similar to what can be heard when game machine lets out coins) also a large animated icon of the Fallout boy appears on the screen. To collect the caps you need to move over the body, you'll see a large amount of caps around the body. You do not have to pick up each individual one. Once you use your 'pick up/use' key it will collect them all. The amount of caps dispersed is about 15 to 30. It can be difficult to see the caps and if there is a large battle they can easily be missed.