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Aloha Mark,
I agree with all you've said about surveys. They are only as good as the surveyor. From experience I know that lending institutions require them and insurance firms require them. I also believe that anyone new to boating and the mysteries of boatbuilding should hire a reputable surveyor. If a newbie wants to buy a boat I would always encourage them to hire a surveyor. Many experienced boatowners are overconfident in their abilities to spot hidden (by a unscrupulous seller) problems and, again, I would recommend a surveyor.
Kind Regards,
JohnL
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