During a divorce settlement, the largest asset to be negotiated is usually the house. It usually accounts for 60% of the family's net worth and yet few divorcing couples take the time to have their house inspected. Often an appraiser will come in to provide a valuation. However, appraisers do not know how to assess the condition of the home accurately. If one spouse is getting 50% of the value of the home in cash, credit, stocks or bonds then it is crucial to have an accurate idea of the home's current condition and therefore value.