We had a very similar experience 2 years ago. We were looking to refinance, had just had new furnace and roof installed. Also added central air. The asshat kid the company sent out actually appraised the house for less money than we paid for it.
I called the owner of the company to see if there was some kind of mistake and was told that all appraiseals are "opinions". After some research I found out that the jerk didn't even compare our house to similar properties.
Found the address of the company and told the boss to schedule an appointment to "discuss" why the opinion was so much lower than it should have been.
Long story short, asshat kid was terminated, our house was appraised for it's worth, and I told the finance company, WaMu for what it is worth to stick it. Sold the property and moved to present local.
I feel your pain.