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@hoonz
you can and would put whatever you like over the top - timber most likely being a boat. I should add this would be a big undertaking, but can be done section by section which is the only realistic option given Jacqui is living in it. Apart from sorting the mildew issues it will make the boat noticeably warmer and reduce heating costs. Any other Steel sections above the water line will also benefit - in fact the outside air temp may be colder than the water temp at times.
I do not know how these insulations are affected by large quantities of water - i.e. a leak situation.