Thanks to those who replied.
Here is a little information I was able to get regarding my situation. My insurance company requires an out of water survey. My friend who is in the same situation as I am reported: "My insurance company was wishy-washy about in or out of water and said they likely would ask for an out of water after seeing the in-water; she couldn't answer what 'likely' depended on....". I found that interesting!
Regarding undertaking any recommendations that came out of my survey, my agent said that I had to comply with them but did not have to report back. However, "If there happens to be a loss related to a recommendation that was not completed, Underwriters may deny the claim."
Clearly, it is better not to have any recommendations since it might be hard to show after the fact that they have been carried out.
Thanks to all of you who made specific suggestions re pre-survey jobs.