Agreed. From experience we know it is probably not sufficient.
Then again, if doing a H-I, I don’t think it is acceptable to say “I don’t think that’s right”. If it were on my dime I’d want documentation.
The answer is we do NOT know. Do we know the loads each breaker serves?
I know many folks, usually that do not know more than the minimum, that over circuit jobs. Typically this is handymen and the like.
In fact just today I had to go fix something someone else did wrong (something I am NOT fond of doing). It was a small apartment, maybe 600sq/ft. It had a FULL 24 circuit 100 amp panel. Tell me an apt that size required 24 circuits.