Yeah, it doesn't take a genius inspector to take the as built plans, the list of work permits, and see if that explains current state of the house. And then there's the whole issue of mandatory disclosure forms and how forthcoming you are on those and if whatever you put down aligns with the inspectors find.
That assumes there are as built plans. I live in an area of the US with a lot of old houses and there certainly aren't as built plans for 100-200+ year old houses or a string of permits for any substantial work.
> Hell most of the licensed contractors I hire (electric, plumbing, etc) don’t bother to pull permits, even for new work.
Yeah, it’s your responsibility as a homeowner to get the permit (either get it yourself or see that the contractor does). Even if you don’t think the permit inspectors are doing anything in terms of quality control, the permit helps you to pass inspections as part of the sale process and will limit your insurance exposure if there’s ever an issue. There’s probably fine print in your insurance contract saying that all work shall be permitted as required.