Good Points on the Roof Deal []
I was on the "Regional Cat Team" for all three companys I worked for.
I had some real bad relations with some contractors of all types not just building - Liars,cheats,thief,lousy work etc..On the other hand I had a great business relationship with Many Many more.

There are some adjusters out there that are poorly advised and/or trained in Homeowner losses.

Same applies for Insurance Compainies - there is very good - so - so and just plain Lousy as in every business.

Bottom line I agree 100% with cj analogy.

Guns and other valuables - do what UM did.I can tell you from experiance if I had pictures and/or video to look at when I handled a Fire or Theft loss it made life alot easier for the insured/homeowner and ME!

Your injury;(Off Topic);
I don't know the particulars or what state you reside - but - If you have PIP on your policy it should be activated - Now or your UMBI coverage.Look it Up. If you have those policy coverages in your state and your company baulks at using that coverage when the Hit and Run driver has not yet been located - then call your State Insurance Dept and tell them all the paticulars.Your company if they find the driver and they have insurance(which they might not)can always subrogate ALL the charges. Good Luck