A guy i know had a 2005 SN, the boat broke its back after 4 years, Correct Craft replaced the hull free of charge due to a defect in the manufacture (apparently they were between factories during a move)

It makes me sick when a company refuses to look deeper into faults in design or manufacture. If its structural its not normal wear and tear, i would fight very hard to get that sorted by the dealer of manufacturer.
My yacht had a defect in the keel fiberglass, that was repaired for $5000, so $20K seems excessive, was that for a complete new hull?