Thanks for the input! Steve Berlin (Fort Myers) will do the survey. This boat has had epoxy all over the interior, so the potential is there for a similar situation. That's a reason I think having no glass above the waterline is a good thing... one can confirm that the wood is ok, and then use it as a moisture content reference going into the part that does have the glass added. It brings up another point... having a survey is only as good as the surveyor. A friend had a boat surveyed here in Maine by an extremely well respected wooden boat surveyor, was told it would need a refastening... half way through the refastening it was determined there were serious frame problems, which more that tripled the cost (since all the new fasteners needed to be backed out).