Answer:
Inspections are not appraisals. Inspections are normally used to control the risk when disbursing funds on construction projects. How a lender chooses to control that risk is really a business decision. If you mean to support an actual appraisal or evaluation, one would think you would need a third party on-site for that process. I remember a bank years ago getting a nice shot of a house for appraisal purposes and it was nothing but a movie set prop.