This illustrates an inherent problem with the surveyor/insurance industry relationship that all of us need to take very seriously and address with the insurance companies. Some years ago, they gave the SAMS/NAMS umbrella groups exclusive access to the boat survey function. They also abdicated oversight of standardization within those groups. As a result, there are inspectors running around with ABYC and other "regulations" and "requirements", and wlly nlly referencing them in their reports. That leaves YOU, the boat owner, stuck with making the case that X and Y items in a survey are inappropriate. Unfortunately, when the insurance companies abdicated technical oversight, they also eliminated knowledgeable internal technical staff who can referee inconsistencies. Who gets left holding the bag ($$$)? The boat owner.
I agree with PSNEELD....talk to your insurer and be armed with regulations to back up your grievances. Make it clear that elements of the surveyor community has run amuck. Point out that surveyors should be looking at condition of the boat and weighing it against the original design that was approved when the boat was put in service. That doesn't include additional safety equipment such as the number of life preservers on board, for example. If a surveyor wishes to address fire extinguishers, they should do so off-line and not in a survey report. Insurance companies need to hear what's going on out there, and the surveyor community isn't going to do it...that much is obvious.
Further, it is incongruous that a surveyor is qualified to set a value on a boat. "Excellent, good, poor" qualifiers, maybe. But a number value, no.