re: Roofer wants to start work before adjuster has come

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The adjuster is not a roofer and is not going to fix your roof. If the roofer is local and reputable then take plenty of photos and let him repair whatever he thinks needs to be repaired. Get detailed invoice from him and submit it to your insurance adjuster when he gets there. The insurance company will pay it. They will have no basis for refusal of the repair.

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So if the roofer charges double the usual and customary rate per square your insurance should just pay it because you were not patient enough to wait for an adjuster to inspect. Don't think so.