Maybe a current surveyor or insurance rep can clarify...but it wasn't too long ago that insurance surveys were very different ...... a retired USCG friend wanted me to get into the biz with him.
He said all they required for smaller vessels (less than mega yachts) was an hour or less poking around a few common issues. And charging was left to be appropriate for the vessel....well les than a pre-purchase.
I have since heard similar stories...but haven't gotten into the biz or need an insurance survey.
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