If an appraiser views only the exterior of a property, must they certify a personal inspection in the appraisal report?

The correct understanding is that if an appraiser has only viewed the exterior of a property, they cannot certify a personal inspection for the purposes of the appraisal report. The appraiser's certification typically indicates that they have conducted an in-person inspection of both the interior and exterior of the property. Without having physically examined the interior, the appraiser cannot attest to the condition, features, or other factors that might affect the property's value based on an interior assessment.

In essence, a personal inspection implies a comprehensive evaluation, encompassing both the exterior and interior. Therefore, when only the exterior has been observed, the appraiser lacks the necessary firsthand knowledge of the interior aspects that could materially influence the appraisal outcome. This ensures that the report remains accurate and adheres to the professional standards expected in appraisal practices.