You're talking about a cold-molded wood boat. I don't see it as being any easier or harder to get one insured and financed than one made of fiberglass... which many times has a wooden core to the laminate.
Cold molded wooden boats are often stronger, stiffer and lighter than fiberglass boats, since the wood has greater strength to weight than most GRP resins.
They also have higher fatigue resistance than GRP does.
However, if the epoxy/fiberglass skin is breached, they can suffer from much the same fate as a cored laminate GRP boat, where the core material rots and the material delaminates.
This is a pretty common method for constructing home-built and larger custom built multihulls. They're very pretty boats and very durable. A couple of advantages they have over GRP boats are: The interiors are generally warmer and quieter, since wood is a far better insulator of both heat and sound. The interiors are often left with a clear epoxy finish that allows you to see the beauty of the underlying wood...so they're often much prettier on the inside than GRP boats...
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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