I'm dealing with the same thing now.

Had a company come out and look at my roof. My neighbor had a buddy that worked for a company that does it, so when they were looking at his house they came over and checked mine. They gave me the whole "you've got nothing to lose, this won't cost you anything" speech. The guy even admitted to me that usually all they do is sweet talk the adjuster when he comes out, and they try to talk him into doing the claim....even if it isn't legit.

So I had an adjuster come out the 1st time (with someone from the roofing company) and he denied it. About a month or two later, we had another small hail storm so I called the roofers again and they came out and gave me the same story. The 2nd insurance adjuster approved the work (he did it without the roofing company there). So I talked over which "upgrades" I wanted and such, and signed a piece of paper with all of the options I'd chosen on it.

So after signing this, I discovered 2 things. 1) The guy is trying to do a "roofover" where he lays the shingles on my existing shingles. This is actually against GA building code (the sheet I signed actually has "roofover" checked) 2) My neighbor for the last 5 years does roofing, and he said he could do it for me as well as doing it for much cheaper.

So I decided to go with my neighbor, and now the 1st company is saying I had a contract with them and broke it, but if I pay them $432, they won't take me to court.