[e46er]

^Ductwork rusting not the end of the world some circuitry on your furnace rusting out- costs you a service call and maybe some labour. Any leaks in your return air duct and it sucks in super humid air over time could rust out your heat exchanger and blow products of combustion throughout your house.

The panel is a HUGE issue
The breakers in the panel rust and seize in position and can't trip properly you have an overload on a circuit-boom house fire.
This summer my capacitor on my AC went and it tripped the 100 amp breaker if that breaker was seized in place
I would need to go buy a tent because my house is now ashes.
Insurance could possibly chalk it up to negligence Now no house no stuff. This is of course based on you getting yourself and family out alive.
I usually cycle all my breakers including the main 1-2 tines a year just to make sure that doesn't happen.
I could go on and on about why it's a bad idea to have a large open top body of saltwater close to the mechanical for your house. There are bandaid fixes but best way is to seal off the sump room so it's tech. In a separate room, but st the end of the day I don't live there.

Wreck Ive replied to your PM.