Well, if I were to sink $13,000 into a $5000 boat, then I have bigger problems than owning a crappy boat.
As I mentioned before anyone can call themselves a yacht surveyor, anyone. Granted like in any industry there are the good and the bad.
When I started asking around about a surveyor for a boat I recently purchased I found that peoples idea of a good boat surveyor was someone who will let things slide.
There seems to be four types of surveys, maybe more. One for the bank, one for the insurance company, one for the purchaser and one for the seller.
None of these surveys have any recourse of action in the event something goes wrong or was missed. If your boat was surveyed and two months later the keel falls off, your on your own. There is no recourse of action to take.
It's like giving someone your watch and asking them to tell you what time it is, except you get to give them money and they are not obligated to give you the correct time.