Actual former insurance adjuster here - automobile property damage claims. I would think a drone would be sufficient for initial appraisals.
Here's how it works for auto claims - an appraiser makes a fairly cursory initial inspection of VISIBLE damage. They don't (usually) pop the hood, they don't (usually) lift the car up. They walk around the car wherever it is parked, note down what they see, and do an initial estimate.
Now, maybe four times out of five, when the actual repair work is done, additional damage is found. Like, the mechanic pops off the old bumper and finds some crushed pins, something like this. A supplemental appraisal is then generated - that's where you get the actual, and most likely final cost of the repair work. I've seen cases where a third supplement gets generated, but that was fairly uncommon in my experience.