Yes, because that is what an inspection IS. It is them signing onto the legal liability that they are responsible if a problem is found later.
The inspector assumes no liability. His tort transfers to his employer and in general you can't sue the government. How this bears on the insurance company I do not know. I am not a lawyer. Clearly you are so perhaps you understand this. To be honest, I don't care.
The point is completely flying over your head.
No. You have made it manifestly clear that you have no concern beyond getting past inspection.
The point is that the inspector has that legal liability.
No, he doesn't.
If an electrical inspector overlooked something, and that was always still the homeowner's fault, there wouldn't be any point to electrical inspections at all.
Yes, there would. We hope that the inspector's errors are infrequent - that most of the time he is right - and that his errors are not serious ones. The home inspection system represents a best effort attempt to prevent electrical problem. It is often effective but it isn't infallible.
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The homeowner would have to be just as knowledgeable as the inspector and do redundant work to double check it all too, in which case, why would they be paying someone else?
My experience in doing several home improvement projects over the past several years has been that one jolly well better know as much or more than the electrician, the HVAC guy, the plumber, the inspector.... I realize that this isn't always possible but I have found so many errors on all these peoples' parts that I worry about philosophers, poets, flower arrangers etc who undertake such projects.
The inspector has the certifications and licenses, and they are the ones who tag their official stamp on it. That is as far as an insurance company can legitimately and legally challenge.
Just curious: which branch of law do you practice?
But again, to address your paranoia, any insurance company could illegally deny any claim for no reason.
Clearly you have completely missed my point. My "paranoia" stems from 45 years as a practicing electrical engineer. In that time I learned to have great respect for high energy electrical circuits. I know enough about electricity to understand what it can do and the probable basis for the various articles in the code. My goal here is to help out where I can and to encourage people to think about things of which they might not be aware.
It started out when I noted that Ali'sMax was about to change breakers without increasing wire size and without installing a disconnect. Rather than go into insulation classes, continuous loads, thermal rise, voltage drop and terminal temperature limits I simply informed her that she might not pass inspection (though when she asked for further explanation I gave it). I don't think that saying that these requirements are relatively new, that many inspectors will probably miss the some of the requirements and that if there is a fire she needen't worry about it because the insurance company will have to pay would have been very responsible advise. Clearly you and several others have the attitude that there is no problem as the inspector didn't catch them.
Let me try again.
There are articles in the code that cover EV charging equipment.
There is a reason that each and every one of those articles is there
If you follow the code you are 5 or 6 nines safe
If you don't you aren't.
If you are the sort of person that likes things done properly you will want to follow the code
If you are, knowing that you have cut some corners, comfortable with the additional risk because the inspector didn't catch it, then by all means, do nothing. You will probably get away with it. Who need's 5 nines anyway?