Wisconsin SB 118 Would Only Allow Estimates To Be Written From Physical Inspections. Posted on March 31, 2009 by admin In another blow to “desk review” companies. Wisconsin SB 118 means that a field damage appraiser must inspect in person before they are allowed to write a damage estimate. The bill prohibits an insurance adjuster from preparing a vehicle damage estimate or from altering one prepared by another party without first physically inspecting the damage to the vehicle. Click here for the bill.