Doesnt a regular home inspector also expect a chimney to the degree necessary?
A home inspector performs a Level I inspection but this does not ensure that all of the conditions of the chimney have been looked at. It is a brief inspection for red flags that if found would warrant further inspection by a professional. For example, most inspectors will not be able to tell you if the drafting ratios in the chimney are adequate. A thorough inspection by a chimney professional will tell you all of the conditions present in your chimney.