Dear John,
There are three paramters that determine water hiding in VSF:
( see the ranger for example )
// water in cabin
1 [hide_water]
1.0 [deck_alt]
hide_water should be 1
dec_alt is the actual height of water hiding surface above water line , try 1 and see how it works
Then the program creates a file called "deck.dds" as soon as you select this boat for the first time,
this file looks like this:

- Image2.jpg (17.82 KiB) Viewed 2814 times
This file is actually a bottom view cross section taken at deck_alt, ( hence the need to delete it if you change the deck_alt )
the file gives great flexibility over the previouse deck.cfg because it allows you to draw inside it and actually specify places
where water is hidden and places where water is visible.