How does that even work when the photos don't show half the damage? A guy I know had a tree hit his roof last year and the adjuster wrote the whole thing from three cell phone pics the homeowner took. Missed the cracked rafter and the water damage in the attic, so my buddy ended up fighting them for months to get it fixed right. He said the estimate was off by like eight grand and he had to hire his own guy just to prove what was actually wrong. By the time it got sorted out the roof leaked every time it rained and he was out a ton of money up front. That kind of stuff is exactly why guys in the field don't trust these desk estimates.