As to your question of what to charge for the inspection...................
Charge ALL of your time.
Portal to Portal = from time you left the shop till you return.
plus mileage = I think the latest is about $.52 per mile
Include time you spend writing up the report = ALL of the TIME even if you type slow
What ever your hourly rate is you can almost double it.
REALLY!!!


You are being paid for your expert opinion. If they baulk at the price then negotiate from there.
Give your honest straightforward assessment. This may be a case of possible insurance fraud and they want a second opinion before settlement. You will be trusted by the insurance company to be their expert in the field. They may even ask you for a quote to do the job. You may not get it but you will be paid for quoting on the job which is a very rare thing these days.
If you do a good job for the insurance company (meaning they settle for a lower figure) they may call on you again in the future. Not a bad thing.
Do not get into giving your assessment over the phone put it in writing with lots of detail. If you are detailed, who ever is be questioned (homeowner/contractor) will not have a leg to stand on. Be prepared to back up your statements. Document and detail is a very good thing in this job.
I prefer to do this type of work outside my general territory.
Good luck.
Les