Crooks!

So Curt and I have done a lot of work on the house ourselves. When it comes to roofing though,we're a little hesitant. So we called a few people for some estimates. These two guys came out yesterday, and man oh man! His first mistake was that he told curt his new siding had hail damage! When curt told him that wasn't even there then he moved on to tell us that our roof, vents,gutters,and turbines all need replaced and upgraded. I looked at the insurance claim , and they didn't include some of that in our claim. The guy asked if we had full replacement cost. To which I replied "of course." He asked to look at our claim and Curt said fine.....He then proceeded to tell us that is not what we had, and we needed a re-inspection and should update our insurance.   Curt freaked, cause he usually doesn't handle the insurance stuff I do. I was very sure of what I had signed up for so we came in immediately and called usaa. I was correct and this loser roofer guy was a crack pot. He had no idea what he was talking about.We Have total replacement value(no depreciation) They are sending an adjuster over to check out our vents and gutters, but I really feel like this guy is a crook trying to take advantage of people for what they don't know! What if  we had not called usaa? Would we of thrown away money to some guy who has no idea what the heck he's doing? That is definately a very scary thought!  They are only in it for how much they can get out of ya! I can surely say we will not be using their company! He was so intense on starting on our roof this week, and said we could check his refrences, yet gave us none! BE AWARE VERY AWARE!!