My 2007 H41AC has a large solenoid switch on the back of the panel that has the big battery switches on it - on the end of the seat at the nav station. The house battery is connected to one side of that switch and the starter battery is connected to the other side. As it came from the factory, that solenoid switch was energized when the engine switch in the cockpit was turned on. This effectively connects the start and house banks in parallel when the engine is starting and running, allowing the alternator to charge both banks. The attached photo shows how this looks with the panel tilted out and looking down from above. The energization wire is currently disconnected because I installed a Blue Sea Automatic Charge Relay that takes the place of the solenoid switch. The ACR allows the alternator to charge the house bank and also allows the Xantrex charger/inverter to charge the start battery.
By the way, my Xantrex charger/inverter has an "echo charge" output that is usually connected to the start battery. I haven't gotten around to disconnecting this yet but plan to do so because it is superfluous now that the ACR is installed.
If it is true that you boat has neither the solenoid switch nor an echo charge output from the charger/inverter, then what the surveyor said is probably true. An ACR will solve that problem and is fairly easy and inexpensive to install. I should mention that in the photo of the ACR, the black box in the upper left is the ACR itself and the two fuses below it connect to the start and house banks. The two fuses to the right are to allow a solar controller to charge the house bank (and via the ACR, the start bank, too).
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