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Re: Keel repair C&C 32 / keel separation??
I own a C&C30 Mk2 that is part of a local sailing club. Last year I took a glancing blow in some tidal current going in to Mats Mats Bay Near Seattle. Once out of the current and anchored safely, I pulled the floor boards up. No visible damage. Nonwater entry over the next 12 hours either. Whew! I waited till we got back to Seattle and sent a diver down to inspect. I ended up with a tennis ball sized chunk missing. Bummer because the boat had just been hauled a month before for bottom painting. The repair bill came to just about a grand which, is right at my deductible. So, no insurance claim.
Two things: with the separation from the keel stub, I'd absolutely go with a survey prior to any further action. Next, all of this may be covered by insurance less your deductible.
Of course turning in an insurance claim has its own pitfalls. They may not cover it for lack of "timely notification".
Good luck and no matter what, get a professional to look at it.