Home inspectors have a state SOP which supersedes the Nachi SOP. Our great Florida SOP says we need to inspect the panel interior. Our SOP is also the minimum we need to do, not the maximum. We are allowed to go beyond the SOP.
I use an outlet tester on all outlets, trip all gfcis, test for power at the dryer outlet. When I open the panel I look for double taps which I understand are a non-issue for many electricians but we are trained to ID them and call them out. I even prewarn the homeowner, "the electrician may tell you this is a silly call but it is part of our job."
As far as checking if there is voltage on a wire that is almost touching the panel enclosure, if it was energized and then made the panel energized and the homeowner touches it the first question that gets asked is "who looked into the panel last...the home inspector. Let's call him and find out why he didn't warn us about this wire."
We do some evaluation in our process to try to find out causes of issues. We are not required to but it makes good sense to go a step further if it will save you or the customer time, money and injury.