Can a seller's inspection report and our lender's appraisal replace our own home inspection?

"The bank has checked the house too," my partner said when I showed him the inspector's next available appointment. Our inspection period ends Friday at five; that inspector can come on Monday.

We're under contract for our first US home. The seller has supplied a report from an inspection arranged five months ago, and our lender's appraisal valued the house at the agreed price. The old report mentions a roof flashing repair. The seller says it was completed, but we haven't seen a receipt or had anyone inspect it for us. Our agent has asked for an extension, and the seller has so far declined.

We've already spent $900 on inspections for two homes we didn't buy. Another inspection has been quoted at $550. My partner sees the report and appraisal as a chance to stop spending money only to start the search again. I understand the frustration. I also learned from the [CFPB's home-inspection guidance](https://www.consumerfinance.gov/owning-a-home/close/schedule-a-home-inspection/) that an appraisal and an inspection have different purposes, and it recommends an independent inspector accountable to the buyer.

I don't know what options our exact contract leaves us if the extension is refused. What should we establish before Friday, so fatigue and a reassuring valuation don't make this decision for us?