Yes, it is only double check.

Another function is: bank use appraisal report as a spy. Bank employee won't come to your house, right? From apprisal report, they can see the pictures. So they will know if house is in normal function or not? Has any unpermit item etc.

I was heard maybe late on, need two appraisal reports. bank takes lower value one. This is already the rule for the house value >=$1M loan case.