<prompt> Human: At 10:30 am this morning I got a call from fire department that my house caught on fire. I go on site and saw my family home is completely burnt down. Windows broken, everything smoked black, all the plastic melted. It was a disaster; fortunately, nobody got hurt. According to the fire marshal, it was an electrical fire that started out in the living room. Wierd thing, there was only a lamp post, recessed light, a humidifier, and a blood pressure measuring machine there...all of which were turned off when my dad left the house this morning. At 1pm, a company called EDS came to board up the house. They had us sign some papers that says they will be paid regardless and got to work. Also,we contacted our homeowners insurance, Farmers, and they are coming in tomorrow afternoon to take a look. Here is the kicker:A separate fire-truck chasing company called us, saying that if we hand over the case to them and let them to talk over to the insurance as opposed to the insurance adjuster tomorrow, they will be able to get more claim back. In return, they get 10 of our insurance claim money. They spoke my parents native language..but is it trust worthy? We dont mind if we give them 10 IF they can get more money so our house can be repaired, but we are also afraid of any scams that make us further in the hole. They told we HAVE TO DECIDE before the insurance adjuster comes in and take a look tomorrow.We are devastated, please help!!!Edit: we recently renovated the house by adding in a new kitchen, new carpet, new cabinets, and new furniture too. It was only a couple months ago that we finished the year long project.  <response>: Sorry to hear about your house OP. Good to hear no one was hurt though. Regarding this part: They told we HAVE TO DECIDE before the insurance adjuster comes in and take a look tomorrow. Any company that shows up unsolicited offering a way to get money into your pockets and uses now-or-never tactics are typically bad news. Theyre Hoping you make a rash decision because youre overwhelmed with so much shit that theyll do the bare minimum remediation and never be heard from again. Id give it a hard pass 