The Complete Guide to Marine Surveys in Florida: FAQ
A comprehensive FAQ answering common questions about marine surveys in Florida, including pre-purchase, insurance, cost, logistics, and red flags.
Booking & Hiring a Florida Marine Surveyor
How do I find a good marine surveyor in Florida?
Look for a surveyor with strong local Florida experience, clear sample reports, and references from recent clients and marinas. Confirm they carry professional liability coverage, explain what’s included, and provide a written scope before scheduling.
What should I look for in a Florida marine surveyor?
Prioritize relevant experience with your boat type, a consistent reporting format with photos, standards-based methodology, and transparent pricing. A good surveyor will clearly explain limitations, optional add-ons, and how findings are categorized.
How soon can I schedule a marine survey in Florida?
Scheduling depends on season, marina access, and haul-out availability. If you have a tight closing date, book the surveyor and the haul-out/sea trial slot as early as possible and share marina contact details up front.
Do marine surveyors travel to different marinas across Florida?
Many surveyors cover multiple counties and will meet you at your marina, boatyard, or seller’s location. Travel policies vary, so confirm any mileage or travel minimums when requesting a quote.
Do I need to be present for the marine survey?
It’s helpful but not always required. If you can attend, you’ll learn more about the boat’s systems and can ask questions in real time; otherwise, request a follow-up call to review findings.
Can I get a marine survey on short notice in Florida?
Sometimes—especially if the marina can accommodate quick access. Short-notice surveys are easiest if you already have haul-out and sea trial logistics confirmed.
Can I get a marine survey on a weekend in Florida?
Some surveyors offer weekend appointments, but haul-outs and marina staff availability may be limited. If you need a weekend survey, confirm the yard and sea trial captain availability too.
How do I verify a marine surveyor’s credentials in Florida?
Ask for proof of training, memberships, and insurance, and review a sample report. You can also check reputation through marina recommendations and recent client references.
What should I prepare for survey day?
Ensure full access to compartments, keys, batteries charged, and systems operable. Provide maintenance records, manuals, and the seller’s permission for testing and sea trial.
Can a marine survey be done without a haul-out?
Some limited surveys can be done in-water, but most buyers and insurers prefer (or require) a haul-out to inspect the underwater hull, running gear, and thru-hulls.
Cost, Pricing & What Affects Survey Fees
How much does a marine survey cost in Florida?
Pricing commonly depends on boat length, vessel type, accessibility, and whether you’re doing haul-out, sea trial, and specialty testing. Request a written quote that clearly lists what’s included and what’s optional.
What is the average price per foot for a marine survey in Florida?
Many surveyors quote by the foot, but rates vary based on complexity, systems, and travel. The most accurate approach is to request a quote specific to your boat and location.
Do marine surveyors in Florida charge by the foot or hourly?
Both exist. Per-foot is common for pre-purchase/condition surveys, while specialized consulting may be hourly. Always confirm the pricing basis and minimums.
Are haul-out fees included in a marine survey price?
Usually not. Haul-out is typically billed by the boatyard or marina. Ask your surveyor whether they coordinate scheduling or if you should book it.
What extra costs should I expect for a Florida boat survey?
Possible add-ons include haul-out/pressure wash, sea trial captain, engine mechanic, oil analysis, corrosion testing, and travel fees. Your quote should spell these out.
Does the type of boat change survey cost in Florida?
Yes. More complex systems (generators, air conditioning, multiple engines, larger electrical systems) usually increase time and cost.
Are yacht surveys more expensive in Florida?
Often, because yachts usually have more systems to evaluate and more documentation to review. Scope and complexity drive cost more than the label “yacht.”
How much does a catamaran survey cost in Florida?
Catamarans may cost more due to additional hull structure, access, and systems. Request a quote that reflects the specific design and access limitations.
How much does an outboard boat survey cost in Florida?
Outboard boats may be simpler, but cost still depends on size and systems. Many buyers also add a separate mechanic check for engines.
Can I get a quote for a marine survey in Florida online?
Yes—most surveyors can quote from basic details: make/model, length, year, location, and whether you want haul-out/sea trial and valuation.
Insurance Surveys & Underwriting
Do Florida boat insurance companies require a marine survey?
Many insurers require a survey based on boat age, value, type, or coverage requested. Requirements vary by carrier and policy.
What kind of survey does insurance want in Florida?
Often a condition and valuation survey with documented deficiencies and photos. Some carriers specify scope or report format.
How old can a survey be for Florida boat insurance?
Some insurers accept surveys within a certain window (often 1–3 years), but this varies. Confirm with your carrier before ordering.
How often do I need a new survey for insurance in Florida?
It depends on the insurer and vessel age/value. Many require periodic updates, especially for older boats or high-value yachts.
What happens if my Florida insurance survey finds deficiencies?
Insurers may request repairs, impose exclusions, or require proof of correction by a deadline. Keep receipts and photos for compliance.
Do insurers accept any surveyor or only certain ones in Florida?
Some accept any qualified surveyor; others prefer recognized credentials and professional liability coverage. Ask your carrier for their criteria.
Will insurance accept a survey without a haul-out in Florida?
Some may for certain boats, but many prefer an out-of-water inspection. If you can’t haul out, ask your insurer what minimum scope they’ll accept.
What’s the difference between insurance survey and pre-purchase survey?
Insurance surveys may be more focused on risk and safety compliance, while pre‑purchase tends to be more comprehensive for decision-making.
Will a survey include replacement cost for insurance?
Many reports include market value and may include an estimated replacement value if requested. Confirm what valuation type your insurer needs.
Can a survey help lower my boat insurance in Florida?
Correcting deficiencies and documenting upgrades can improve insurability and sometimes premium terms, though results vary by carrier.
Hull, Structure & Moisture Concerns
Do marine surveys in Florida include moisture meter readings?
Many surveys include moisture scanning of accessible laminate and core areas, but readings are interpretive and should be paired with visual and percussion checks.
What does high moisture mean in a fiberglass hull in Florida?
It can indicate water intrusion, saturation, or localized issues. A surveyor interprets readings with context—age, laminate type, temperature, and location matter.
How do surveyors check for hull blisters in Florida boats?
Typically via visual inspection, percussion sounding, and moisture readings—especially after haul-out and washing. Severe blistering may warrant further evaluation.
Can a survey detect soft decks or core rot?
Often yes through deflection feel, sounding, and moisture patterns. Confirm access to suspect areas, as some sections may be hard to evaluate without disassembly.
How do surveyors check transom integrity on Florida boats?
They look for cracks, hardware bedding failures, moisture readings, and stress indicators around engine mounts and penetrations.
Do surveys check stringers and bulkheads?
Yes where accessible. Surveyors assess bonding, cracking, tabbing condition, and signs of movement or water intrusion.
Can a marine survey find signs of prior grounding damage?
Often, especially with haul-out. Inspectors look for repairs, fairing, keel/hull interface issues, and running gear alignment indicators.
How do surveyors evaluate bottom paint and underwater condition?
They note coating condition, growth, blistering, through-hull condition, and running gear state. Recent paint can conceal issues, so context matters.
Should I be worried about osmosis/blistering in Florida waters?
Blistering can occur anywhere; warm water can accelerate it. The key is severity and whether it’s cosmetic or structural—your report should describe extent and implications.
How do you inspect for water intrusion in a Florida boat?
A survey combines visual inspection, moisture readings, sounding, and attention to known leak paths (deck hardware, windows, hatches, chainplates).
Engines, Electrical & Onboard Systems
Does a marine survey include an engine inspection in Florida?
Most surveys include a general visual/operational assessment, but not a full mechanical teardown. Buyers often add a dedicated mechanic for engines.
What’s the difference between a survey and a mechanical engine survey?
A marine survey focuses on overall vessel condition and safety. A mechanical survey is performed by a qualified technician and can include diagnostics, compression, and fluid analysis.
Should I hire a separate mechanic for the engine in Florida?
For higher-value purchases or any uncertainty, yes. A mechanic can run brand-specific diagnostics and identify issues a general survey won’t confirm.
Does the survey include compression tests?
Typically no unless specifically contracted and properly authorized. Compression and leak-down testing are usually part of a mechanical inspection.
Do surveyors check outboards, inboards, and stern drives?
They generally note installation, visible condition, and operation if possible. Detailed diagnostics are best handled by a mechanic for the engine type.
What electrical problems are common on Florida boats?
Corrosion at terminals, non-marine wiring practices, overloaded circuits, and aged shore power components are common. Heat and humidity accelerate deterioration.
Do surveys include battery load testing?
Some do, but many only check condition indicators and installation. If you want load testing, request it or have a marine electrician perform it.
Do surveys check air conditioning and generator systems?
If systems are installed and operable, surveyors usually perform functional checks. Deeper evaluation may require specialist service technicians.
Do surveys check plumbing, heads, and thru-hulls?
Yes where accessible—surveyors look for leaks, hose condition, clamps, seacocks, and evidence of prior issues.
Do surveys check fuel tanks and fuel system safety?
Yes. They inspect visible tank condition, fill/vent, hose compliance, clamp quality, and potential leak/corrosion risks.
Safety, Standards & Compliance
Does a marine survey include USCG safety compliance in Florida?
Most surveys include a safety and compliance section, listing observed deficiencies and recommendations. Scope depends on the survey type and contract.
What safety gear is required on a boat in Florida?
Requirements depend on vessel size/type and where you operate. A survey typically identifies missing or non-compliant equipment and unsafe installations.
Do surveys check navigation lights and wiring safety?
Yes, commonly. Surveyors check functionality and obvious wiring hazards, but detailed troubleshooting may require a marine electrician.
Do surveys check fire extinguishers and fixed fire systems?
Yes. They verify presence, service dates, installation, and overall readiness. Fixed systems may require certified service verification.
Do surveys check carbon monoxide risks on boats?
Often yes, especially on boats with generators or enclosed spaces. Surveyors may recommend CO detectors and safe exhaust configurations.
Do surveyors inspect seacocks and thru-hull fittings?
Yes—especially on haul-out. They assess corrosion, bonding, operability, and proper hose connections/clamps.
Do surveys check for electrical bonding and corrosion issues?
Yes, generally via visual inspection and context of anodes/stray current indicators. Advanced corrosion diagnosis may require additional testing.
Do surveyors follow ABYC standards in Florida?
Many use ABYC and other recognized standards as references. Ask your surveyor what standards guide their findings and reporting.
What does “recommended” vs “required” mean on a survey?
Typically, “required” indicates safety/structural or insurer/lender-critical items, while “recommended” indicates improvements or preventive maintenance. Your report should define categories.
What does “survey standards” mean in a Florida survey report?
It refers to the methodology and reference standards used to evaluate the vessel, plus the scope limitations and inspection conditions.
Haul‑Out, Sea Trial & Scheduling Logistics
Do I need a haul-out for a marine survey in Florida?
For most pre-purchase and insurance surveys, an out-of-water inspection is strongly preferred to evaluate underwater hull, running gear, and thru-hulls.
How much does haul-out cost in Florida?
Costs vary by yard, boat size, and whether pressure wash/blocking is included. Contact your chosen yard for exact pricing.
Who schedules the haul-out—the buyer or surveyor?
It can be either. Many buyers schedule directly with the yard; some surveyors coordinate if provided authorization and contacts.
Can I survey a boat on a lift in Florida instead of haul-out?
Sometimes, if access is safe and adequate to inspect the underwater areas. However, a full haul-out often provides better visibility and access.
Can a survey be done with the boat in the water only?
A limited in-water survey is possible, but it may miss underwater issues. Many insurers/lenders prefer haul-out for full documentation.
What happens during a sea trial in Florida?
The boat is operated underway so performance, steering, cooling, systems operation, and handling can be observed. Safety and weather considerations apply.
How long is a typical sea trial for a survey?
Often 1–2 hours, depending on boat type and conditions. Confirm expected duration and what systems will be tested.
Can weather delay a marine survey in Florida?
Yes. Wind, storms, or unsafe sea conditions can postpone sea trials and sometimes haul-outs. Plan with schedule flexibility during peak weather seasons.
How do I coordinate a survey with a marina in Florida?
Provide the marina with dates, proof of insurance if required, and written authorization from the seller. Confirm access rules, lift availability, and any contractor requirements.
What should I bring or prepare for a sea trial?
Ensure fuel is adequate, batteries are charged, and systems are ready to operate. Bring safety gear, documents, and a list of priority questions/concerns.
Reports, Valuation & Turnaround
What does a marine survey report look like?
Most reports include vessel details, scope, photos, condition notes by section, a deficiency/recommendation list, and (if requested) valuation.
How fast do I get the survey report in Florida?
Turnaround varies by workload and report length. Many surveyors deliver within a few days; confirm timing before scheduling if you have closing deadlines.
Do marine survey reports include photos?
Yes, most include photos documenting identification, condition issues, and key systems/areas.
Will the report include a fair market value in Florida?
Often, if you request a valuation (common for insurance and lending). Confirm if your insurer needs market value, replacement value, or both.
Can a surveyor estimate replacement cost for insurance?
Many can provide an estimate if requested, often based on market data and vessel type. Confirm your insurer’s preferred valuation definition.
How detailed is a survey report for lenders or insurers?
Typically detailed enough to document condition and deficiencies, but scope varies. If you need lender/insurer acceptance, share their requirements before the survey.
Can I get the report emailed the same day?
Sometimes for smaller boats or limited scopes, but many full surveys require time for write-up and photo organization. Ask about expedited delivery if needed.
Can a surveyor explain the report findings by phone?
Yes—most will review key findings and priorities. Request a debrief call when booking.
What is a “deficiency list” in a Florida marine survey?
It’s a summarized list of issues found, often categorized by severity and recommendation priority, used for negotiation and planning repairs.
How long is a survey report valid in Florida?
Validity depends on the use-case (insurance/lender) and how much time has passed or changes occurred. Insurers commonly want a recent report within their acceptance window.
Red Flags, Damage & Decision‑Making
What are the biggest red flags on a Florida boat survey?
Structural damage, significant moisture intrusion, unsafe electrical/fuel issues, major corrosion, and evidence of poor repairs are common deal-breaker categories.
What survey findings should make me walk away from a boat?
Walk-away factors often include structural integrity concerns, extensive hidden moisture/core rot, major engine or fuel system risks, and repair costs that exceed your budget/plan.
Can I ask the seller to fix survey issues in Florida?
Yes. Buyers often negotiate repairs, credits, or price reductions based on documented deficiencies and quotes.
How much should I budget for repairs after a Florida survey?
It depends on the findings. Budget for immediate safety items first, then reliability and cosmetic items. Get written quotes for major repairs before closing.
What survey issues are common after hurricanes in Florida?
Potential concerns include water intrusion, corrosion from flooding, compromised electrical systems, and undocumented structural repairs. Ask for hurricane/flood history and inspect carefully.
Are older boats in Florida riskier because of sun and saltwater?
Older boats can still be excellent, but Florida’s environment accelerates wear. Maintenance history and storage practices matter as much as age.
How do I check for mold and water damage on Florida boats?
Look for odor, staining, soft surfaces, and prior leak paths. A surveyor can document visible evidence, but remediation scope may require specialist assessment.
What does “deferred maintenance” mean in a survey report?
It means normal upkeep has been delayed, increasing the likelihood of failures and compounding repair costs. It’s a risk indicator and a budgeting tool.
Can a marine survey protect me from buying a lemon in Florida?
It reduces risk by revealing condition issues and providing an independent assessment, but it can’t guarantee perfection—some problems require invasive testing to confirm.
Will insurance accept a survey if issues are not fixed?
Insurers often require correction of certain deficiencies by a deadline or will add exclusions. Always confirm requirements and keep documentation of corrections.