After the home is built, the benefits reduce significantly. Yes, this is a more expensive service but the significance for the long term resident will be immeasurable. If the builder has a reputation of high quality and they are still building homes in the community, the home buyer can feel more secure. You don't want to be the buyer of the last home. Follow up on your concerns may never occur.
Code Inspectors in my area, are not held accountable for anything. Where no accountability exists, great vigilance should be exercised.
Is is good that the builder includes a 1 year warranty on your home. However, you have more leverage in getting things that are not working properly corrected quickly if you discover those things prior to closing vs. after you have closed on the home.
I have seen buyers frustrated and disappointed in the timeliness in which the builder responds to correct items that are not working well after closing.
Get everything in writing, if there are items to be repaired or replaced after closing.
Getting a Home Inspection on New Construction is a good idea. They will look at the structure, as well as, the appliances. A simple wind support beam may be needed in the attic... called a purlin..... The Home Inspector Works For You! A small price to pay for your peace of mind.
Better Homes & Gardens Real Estate - Metrobrokers
The Builder and their people normally have ONLY the Builders Best interests in mind.
A Good Hm. inspector has the Buyer's (who hired & will pay him/her) best interests at heart and to garner future opportunities, will bust his/her Butt to impress the buyers Realtor with efficiency.
If there are any questionable findings, the buyer has Documented evidence and has a Lic'd professional in his/her corner. This will usually help to create a quick and favorable outcome for the Buyer.
With regards to the amt. of the over all investment, I believe It's really a small price to pay for due deligence and peace of mind.
Example. I represented a seller on a 2 year old home a few years back. When their buyer inspected it was discovered that the gas line in the attic to the furnace was not the proper length - it was too short, in the event of an earthquake it could have broken without some slack. The house passed the inspectors two years prior. So this was a cost of $600 to repair for my sellers on a home now out of warranty.