[villagetinker]

I hah a similar experience, in PA. I had contracted 3 roofing companies for quotes on replacing a portion of the existing roof that was flat and leaking. The second company rep went up on the roof, and said "Hey you have hail damage". I went up and saw all the little 1/2 inch holes. Called Insurance company, they said "Hey are these 2 guys in a truck", no I had a reputable roofing company that found this. Third company agreed. Insurance company initially declined coverage, over the phone, but I went in a filed a formal claim, go that I did, hail storm was 50 weeks prior (1 year cutoff for claims), and I was approved for the cost to replace 1/2 of the roof, as the damage was only on the back half of the roof. The insurance company also explained there were some guys going around in a truck and ripping off the public. Also, it was good I had 3 estimates.

As an aside, the insurance company estimate was within a few hundred dollars of the middle firm estimate which the one I went with, I did not like what the low cost firm was proposing.