As economic trends, like the 2008 great recession foreclosed property / taxes, busted municipal budgets, and forced de-funded building departments to sequester qualified inspectors, more AHJ's have adopted
corporate Welchism. Building departments are replacing the cost of skilled inspectors with indemnity affidavits against liability, from historically negligent general-contractor laborers, and owner-builders doing DIY electrical.
It doesn't help that panel flippers lurking everywhere mislead people to believe upgrades without permits or inspections will go undiscovered. Then install 200 Amp upgrades with old 50 or 100 amp utility wire, so drive by code-enforcement won't see the new construction without permits. When new tankless water heater, car charger, hot tub, or air conditioners burn up old service wire, these jokers can't be found.
Unqualified flippers typically fail to match breakers to box, violate listings, omit electrodes (GEC) to earth, or bond GEC to new boxes, which allows lighting strikes to destroy the building interiors.
During remodel work these jokers don't check for smoke detectors, or AFCI's required for replacement plugs, but do provide an over abundance of legal causes for
insurance cancellation & non-renewal.
Municipal inspection records are public, for insurance to check missing building permits & safety inspections. Real-estate law follows property sellers missing the resale declaration for any construction defects, and electrical-code violations happen to get blamed for most damage claims.
Since the great majority of residential trade persons are illegal laborers, or home owners that answer the robocall for unqualified remodels without permits, most existing dwellings in the US are poison pills, which void property insurance claims for future buyers, and the liable party is not easily pinned down after this poison is sold.