A mortgage appraisal is an opinion of value. You probably paid for it, but it wasn't done for you, it was done for the lending institution. Its purpose is to assess risk.
We like to review the appraisal to make sure that the basic data agrees with what we have on file. We also pay close attention to the comparable sales used in the appraisal and often develop our own list of comparable sales. At that point, we have already checked our records to see if our information is correct and will then meet with you to discuss the issue.