The short version: you usually must cooperate with your insurer, but cooperation does not mean improvising on tape. Speculation about cause, guessed dates, and offhand estimates of value all end up in a file that is read back to you later. Be factual, be brief, and stick to what you personally know.
Why they record
The recorded statement exists to lock in your account early, before you have repaired, researched, or remembered. Adjusters are trained to ask open questions that invite estimates. Six months later, your guess about when the roof was last replaced becomes an inconsistency.
The rules that protect you
Answer only what is asked. Say I do not know rather than estimating. Never characterize the cause of damage; that is what inspections are for. Do not discuss prior claims or unrelated history. Ask for a copy of the transcript; in most states you are entitled to it. And remember that a public adjuster can handle carrier communications on your behalf once retained, which removes the improvisation risk entirely.