All inspectors should inspect electric service panles when they are under load. That means equipment should be turned on, running and drawing electrical current. This can reveal dangers that may not otherwise be detected. We are not allowed to dismantel things and can only do visual inspections. But don’t just use your eyes. Use all youir sences. Here are some other clues that may be a red flag for problem electric panels. The sound of sizzleing or buzzing inside a panel. Breakers feel hot when touched. Visual evidence of scortching or smoke trails. Heat tempering and discoloration of terminals. Melted or distorted wire insulation are just a few things to look for.
Here are a couple of examples of electrical panels that were inspected under load.