You may wnat to contact the lender you are using and tell him your situation and offer a picture for them and the appraiser. As you want clarification. Is this something that is code? Maybe not?
You need to ask them to get an answer.. Good luck
Ingrid Ski Realtor
if you want please give me a call or send me an email to understand your issue with the lender.
A photo is worth a thousand words. When you bought the home it may have been called out in your physical inspection report and at that time it may not have been important or you decided it was not a big deal. To this appraiser it is and if this is all that is in your way of getting your re-fi then I would suggest you install a latch there and send the lender a photo saying, new latch installed.
Today's lending world is very strict and you should expect other requests that may not make sense to you at that time, grin and bear it. Also do not make any large purchases, withdrawals or deposits without a way to explain them.
Good luck with your re-finance,
Brian Wilson, Realtor