Most surveyor's want the boat out of water to inspect for hull issues' among other things. I had my survey done by Capt. Scotty from Windsor way. He came to St. Thomas to do it and spent the better part of the entire morning inspecting every single square cm. of the boat, inside and out,...literally!!! Must have been a 15 page detailer report, much of which was redundant. However, his fees were around the $350 mark which I found to be very reasonable considering his time and travel. So, gave the report to my insurance comp., only to find there are sooo many "grey" areas in the coverage which raised many "red flags", so I dropped them. Went to M.D. Marine on a high recommendation from my many marine clients and never looked back. They are "Marine Ins." people, not home owner Ins. Co. Price was double from what I was paying however, I know I am covered and what I am covered for. Great people to work with. You get what you pay for and this was money well spent.