I'm in IL & see handyman/homeowner work almost every day. As much as I'd like to spend a few hours every day as a volunteer inspection/police officer, I let it go unless it's extreme.
I had one that I called the utility & AHJ. A HO had "upgraded" from 100A to 200A. They didn't change the feeder wiring & filled the panel with single-pole 30s on 14 & 12 ga wire. They also left the cover off the very low panel with a few very small kids running around. Looked like a death-trap to me.
