Owning your own home

You paid them to supply a report to your mortgage providers, stating that the property is (in their opinion) worth the money you are borrowing to pay for it. When you read it you will see that there is a caveat for every area that cannot be inspected.

If you actually want to know what condition the place is in, you'd have to employ several experts in field, structural engineer, roofing expert, plumbing expert etc.

Wrong. The lender conducted their own valuation survey, which I also paid for.

True, the caveats were in the surveyors report, but they do nothing except imdemnify the surveyors somewhat useless inspection. So what was the point of the survey again?