The entire "surveyor" system, as far as it concerns pleasure craft and insurance, is a useless scam. Insurance companies inspect cars, houses, etc. themselves. If they are truly interested in minutia found by surveyors, they ought to hire company employees to look at boats themselves. The level of competence varies so widely in this independent, unregulated, and standard-less industry that any findings are suspect at best. The vague wording in your written document is a perfect example. Not only that but no one knows a boat better than the owner if he/she has owned it for any amount of time. As you indicated, you knew about the soft spots already and did not need to pay someone to point it out to you. How much did it cost for someone to tell you what you knew already? Oh I forgot, finding that deadly missing 1/4" of insulation must have been worth it.