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A point to be considered by your post is how qualified any given home inspector might be to take a look at a panel and wiring. It is something I have to admit I have never questioned my inspectors about. But as a former commercial Property Manager, I had the experience of being in the narrow electrical panel access room of my building one time when a licensed electrician shorted a circuit... it was like a shotgun blast at short range and something I think about whenever around electrical equipment. If a licensed electrician can make this kind of mistake, certainly so can an unlicensed inspector.