Ship damage when not on a ship

[erc1971]

Quick question for Skull and Shackles...

I know that if you are not on a ship and you encounter a ship enemy, you banish that enemy.

But, what about non-ship enemies that just damage your ship?

For example, I am at a different location than my ship and I encounter the villain, and on his card it has the text "If undefeated your ship takes 1d4 structural damage." Does the ship take the damage or is it avoided since it is not here?

Thanks,
Eric

[Hawkmoon269]

It still takes the damage. And it can still be come wrecked. See this thread for reference.