I have been hit while in the
water several times.
Boat was surveyed after each strike, and
Insurance covered identified losses except for the deductible. I would ask if the boat was plugged in when hit, if so the exit could have been through the AC
power systems, which adds to the potential losses.
I was plugged in to
shore power and as well as losing all my
electronics,
radar and everything, I
lost control modules in the air conditioner and
refrigeration.
On the exterior there were a few spider webs around the through hulls and
delamination of the
rudder.
Surveyor said to remove all
bottom paint, redo the with multiple coats of
epoxy barrier up to 2 inches above normal
water line repaint bottom and match the striping and white topsides. He was concerned about possible pinholes in the
hull but said the 4-6 coats of
epoxy barrier would protect it. The last strike was 30 years ago, still using the boat,
live aboard and
cruise during the summers. Still carry an agreed value policy with the same insurance company, so they must feel good.
One thing he did, was remove the mast, remove all the light bulbs and run a HIPOT test between the wires. This identified some leakage which was cured by a mast rewire. He also ran some tests on
interior wiring, which was much harder to do, and checked for leakage on the breakers, ended up replacing most DC breakers and a few AC. Some breakers had enough leakage to have lights glow at a low level with the breaker off.
1985
Endeavour 42, original owner. I still find minor issues in the
interior wiring such as
corrosion in a wire run, 5 feet from any connector and good clean tinned wire both sides. I started replacing all the wiring about 3 years ago and am slowly working my way through it.
If you choose to buy, remember that you will find issues regularly and simply have to fix them as found, but if the value is there, you can have a lot of fun while you occasionally have to
work.