Re: Angry at my surveyor....
I don't think it is unreasonable to ask him to change his wording to be more accurate. Does he mean that the "soft wood" must be repaired before you use the boat again?
As for the idea of getting "less than accurate" survey for insurance purposes, surveyors have an accreditation that recognizes their qualification to perform the surveys. If word got out that he was selling fraudulent insurance surveys, you can be sure he would lose that accreditation. There IS a big difference between a buyer's survey and an insurance survey, and a good insurance survey should only look at items that could result in damage or loss. That's all the insurance companies care about.
1979 Santana 30 Tall Rig