My daughter’s father-in-law is an architect/engineer who designs custom “colonial style” buildings, i.e., buildings that use techniques and materials available in 1700’s. (Okay, it’s a small market.) He is also a claims adjuster for certain insurance companies. When a storm hits New England and damages colonial era buildings, or recreations like Old Sturbridge Village, or hoity-toity colonial era replica homes, he goes and makes the adjustments. He says he has never had is estimates (or expense reports) challenged by the insurance companies and has never felt any pressure to low ball estimates. He just gives them an honest estimate.
I applaud your Daughter’s Father In Law. I can only speak from my experience.