I had a survey, and a valuation. The survey looked for signs of problems, though they didn't tear up and walls, but I guess shoddy work outside is a sign there may be problems inside?

I asked the appraiser what he was looking for on one of my refinances. "I pretty much just verify the house is real, measure the foundation [for square footage], count the floors, bedrooms, and bathrooms, then find some local comps to justify the appraisal."

I don't think any of the appraisers were inside for even 10 minutes.