<prompt> Human: I recently had a public adjuster from a small company come to my door. I have a 20 year old roof and we had some hail last year. He basically said hed inspect the roof, call up my insurance, and fight for me to get a new roof. They obviously take a cut, probably 20, but ultimately I get a new roof. Are there downsides to doing this? I have had no claims on my house to date lived here 3 years.  <response>: Never heard of it, sounds fishy 