The Operating Systems, Lower Level, Interior and Exterior Inspection sections are EXTREMELY condensed versions of those found in our home inspection book: Home Inspection Business From A to Z
Real Estate Appraisers are not required to be home inspectors. However, I will include these sections anyway to give you some basic details about home inspections.
Check to see if there is insulation in the floor joists of the attic area. The roof rafters don't need to be insulated because once heat has escaped through the upper level ceiling it's lost anyway. There's no sense trying to trap this heat in the attic. If you do, you'll only be trapping unwanted moisture in the attic by installing insulation between the roof rafters.
The benefit of having attic flooring is that you can use this area for storage. However, flooring prevents you from seeing if there's insulation throughout the attic area. Sometimes there's only insulation in the visible floor areas that aren't covered. The owner may have installed this insulation without bothering to remove the attic flooring that was there to insulate the entire attic.
Check to see how thick the insulation is. The insulation should be at least six inches thick. If it isn't just recommend that the client install an additional layer of insulation for better energy efficiency. Ask the owner if he/she has installed or knows of any prior owner's having installed insulation in the house. You want to warn you client about any "blown-in" type of insulation. In the past some houses had UFFI insulation blown-into the walls and floors. UFFI stands for Urea Formaldehyde Foam Insulation. Another possible hazard is older Rockwool or Vermiculite insulations in the attic area. The Environmental Protection Agency, (EPA), has issued warnings about this type of insulation. If there's UFFI or older Rockwool or Vermiculite in the house, recommend that an air sample be taken to see if there are any health concerns.