They may not be section A or B charges (depending on who does the inspections) if they are collected post closing, but they are treated as section A or B charges in the calculation of total of payments and finance charges (prepaid FC if collected at or before closing).
Your estimate of the number of post-closing inspections and the cost for them must be made in good faith. You can base it on your history of similar construction loans involving similar building types, size, complexity, etc. It needs to be better than a SWAG. Your loan agreement should spell out the cost of the inspections (how many and a total cost) and the cost of additional inspections if required. The disclosure is based on best estimate of what's likely to happen.
If you have to exceed that estimate because extra inspections are needed (change orders, weather delays, unanticipated problems, etc.), you will have allowed for that in the loan agreement, and you will bill for them (or deduct them from disbursements). But they are post-consummation changes that don't affect the accuracy of the FC, APR or Total of Payments calculations.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8