Clint,
Your surveyor is correct. Imagine electrons flowing from noble to less noble metals (a battery) Houseboats as we know have large flat bottoms. Since they run below planning speeds growth has less effect on them. Anyway since the area is large the electrons are NOT concentrated to specific areas, thus little or No galvanic impact.
Now we paint the bottoms and the hard chines. At first the electrons fail to interact with the hull but like a lazer a bark spot especially on a sharp edge and bingo the attack begins. Alluminum is less noble than Steel or Bronze and your alluminum hull looses electrons to protect the more noble metal.
In addition.. many alluminum houseboats use alluminum outdrives. These outdrives are protected by anodes on the units. Then add mylar thru hulls and no struts.. there are few if any dissimilar metals to interact.
If bronze thru hulls are used they are bedded with non conductive backing plates and or heavy application of sealant. Most used is 3Mr 5200 sealant. This helps isolate the fitting from the hull.
Hear on Kentucky and Barkley lakes the majority of houseboats are unpainted.
If you beach your painted houseboat it could increase the possibility of corrosionn on the raw exposed areas.
safe boating,
dave
None