my in laws bought a new house several years ago. after they settled (they did not us an inspector) i went thru the house with them. went up in the attic and something just didn't seem right. then i figured it out - there was ZERO insulation up there! fortunately their builder stepped up and fixed the issue. so yes, for a couple of hundred bucks, get an inspector. frankly, it is a great idea to periodically walk thru the house as it's being constructed. that's when you can see any problems that might later get covered up with drywall and paint. sure some builders take great pride in their work and sure some do it as cheap as possible.