Not to answer the Portagee's question but the reason there are Marine Surveyors in this country is for a number of reasons. #1 is such that the first time keel boat buyer will have an approximate idea of what is wrong with the boat they love but happens to be in a bad state. Many first time buyers do not even know that the boat they want to love has a stuffing box or a cooling water impeller on their engine much less what function a chain plate plays in keeping a rig aloft. #2 is to protect insurers from perhaps well intended people from buying non-seaworthy craft that will fall apart on them since they did not check out everything on the boat (CP's examples illustrate this). #3 is to keep people like SD and Mainesail in line so that even if they are not actually Marine Surveyors the boats they insure are deemed really seaworthy by someone else.
That said, a first time buyer could find themselves scratching their heads at this thread and asking themselves what a 'multimeter' or moisture detector is. This tread is a good attempt to alert folks as to the depth of discovery one should take when buying a boat.
The same rules apply when buying a boat as a house or home: caveat emptor, or buyer beware. The more knowledgeable the buyer, the better of they are; like second or third etc. boat owners. For first time buyers there are a whole lot of pitfalls they can stumble into and the insurance industry knows this and supports the idea of Marine Surveyors.
"The cure for anything is salt water~ sweat, tears, or the sea." ~Isak Denesen
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