Home Inspection vs. Appraisal: What's the Difference and Do You Need Both?
Updated
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Inspection scope: ASHI standards and CFPB inspection guidance. Scope notes reviewed October 14, 2026.
Home inspections and appraisals are two completely different evaluations that serve different purposes, protect different parties, and answer different questions. One does not substitute for the other. Understanding the distinction is critical because each one affects your buying decision in fundamentally different ways.
A home inspection examines accessible systems and components within its agreed scope. A qualified inspector evaluates:
The inspection report describes observed deficiencies, safety concerns and recommended follow-up; scope and appointment length vary. For help interpreting findings, see our guide to reading your inspection report .
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