Michael - The "convenient" survey may get the policy written or renewed, but if you have a claim sometime and that survey was obviously not what they required, or what the actual conditions were, it would be likely that your claim would be denied with no recourse. Seems like nowadays, time stamped photos are required as part of the survey, and all companies do not accept all surveyors. Check in advance with your carrier. I don't mean to sound like a royal PIA, but if you have ever had to collect on a policy of any kind, not just marine, you quickly realize that there are few better things than a good policy.
-- Edited by Old Stone on Thursday 23rd of February 2012 08:36:33 PM