it annoys me that you have to pay for surveys when you buy a house.......but they don't seem to ever notice the imnportant things
A mortgage valuation isn't a survey.
You pay for it, but it isn't even done for YOU. It's done for the mortgage lender so that can assess that the loan is safe in case of default. If you look at the small print some of them (Halifax being an notable example) even say that they owe you no liability even in the event that the surveyor is negligent.
You don't HAVE to have a survey carried out and statistically about 80-85% of all home buyers rely on their mortgage valuation... I've often heard people refer to them as "oh.. I'm just having the basic survey carried out by my mortgage lender". Big mistake. It's not a building survey at all. Depending on the amount of the loan, if you are borrowing a relatively small amount in % terms, say 15 or 20%, then the surveyor may not even go inside the property! He might do what is called a 'drive by' inspection or even a desk top valuation based on comparable sales in the area.
Don't think that you have had a building survey done if all you paid for was the mortgage valuation. You haven't.
One thing that annoys me about mortgage valuers is that they will never tell the home buyer the answers to the questions they have. So.. they might see a crack, but won't give any advice or opinion whether it is significant or not.