My last insurance survey of my sailboat included a statement that my keel bolts needed to be replaced. I found that interesting since the boat doesn't have keel bolts. There was a lot of other stuff wrong too. I had to write several letters to the insurance company to get it all straightened out.
I opted not to use a surveyor for my last purchase. I did get the boat surveyed after the major overhaul I did. That survey was purely for insurance purposes and I made sure the surveyor knew that ALL the systems on the boat were new. No problems on that one, but I did walk the surveyor through the boat pointing out work that had been done.
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