Yes
I have had 2 boats
they asked for an "in water" survey and I never got around to it

Was the request in writing?

Did you ever have a major claim?

That's just the type of missing link that
could cause denial of coverage.

"Yes, we accepted your $300 premium for 3 years, but your policy was predicated
on the condition that you would have an in the water survey. Now you have a
$20,000 claim? Here's your $900 back."