Ouch... I'd get a surveyor in to look at the issue. THe yard is going to have a vested interest in saying it needs to be repaired, since they are in the repair business. A good surveyor can also tell you what else may need to be looked at, and possibly what could have caused it, and what can be done to remedy it.
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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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Still—DON'T READ THAT POST AGAIN.