Okay, look at it this way.
It sounds like you're inexperienced in structural inspections. Please let me know if I'm wrong on this point.
If you are inexperienced then your client is paying for a service that you're not qualified to provide. You are doing your client a disservice and could potentially approve something that is not correctly evaluated. This could be a safety issue or at a minimum cost someone money down the road.
You're also hurting other structural engineers. Your client may not appreciate your lack of experience and this reflects poorly on our profession as it is exactly that; a "profession". Plus, you're potentially taking work from a more qualified structural engineer. No offense but I know I wouldn't appreciate being uncut out of a potential client by another engineer when that engineer was not qualified to do the work.
Finally, I'm honestly trying to help you out. If you're unqualified for this work then how are you shielded from liability? You're going to be more likely to make a mistake and, if you do, you're more likely to be held liable for it. By your own admission you don't have a robust disclaimer or contract language. Is this something you're okay with? I know I wouldn't be.
As for a more "generous" engineer chiming in I hope and doubt you will get one. To get my engineering license I have a number of code of ethics conflicts with helping you. Obviously code of ethics vary by jurisdiction but I imagine most licensed engineers have similar requirements.
Code of Ethics said:
In the performance of their services for clients, employers and customers, Licensees shall be cognizant that their first and foremost responsibility is to the public welfare.
Licensees having knowledge of any possible violations of the Act, the Rules, or the Code of Ethics shall notify the Board and provide all information and assistance necessary in order for the Board to render a final disposition of the matter.
Some of the code of ethics clauses you appear to be violating:
Code of ethics said:
Licensees shall undertake assignments only when qualified by education or experience to perform the professional engineering involved.
Licensees shall not compete unfairly with others.
Licensees shall not falsify or permit misrepresentation of their or their associates’ academic or professional qualifications. They shall not misrepresent or exaggerate their degree of responsibility in prior assignments or the complexity of said assignments. Presentations incident to the solicitation of employment or business shall not misrepresent pertinent facts concerning employers, employees, associates, joint ventures and past accomplishments.
If you want to learn structural inspections I can give you some pointers but I won't help you with a job you appear to be unqualified for.
Professional Engineer (ME, NH, MA) Structural Engineer (IL)
American Concrete Industries