I don't know but feel your pain. I had my new boat surveyed last January - it surveyed in above average condition (the surveyor was completely anal) and he told me it may have been worthy of an upgrade even beyond that, but there were a few minor findings. GFCIs weren't operable, new fuel lines needed as the ones on the boat were original, wingnuts not permitted on batteries, and ground tackle was missing. Based on that I was able to get a policy once I showed and provided photographic evidence that I had fixed the issues. Both BoatUS and CharterLakes wanted a full C&V survey completed prior to initiating coverage. My guess is that's what you are going to run into unfortunately...