Think;
Here's a pic of my "bullet" that a rock scraped up. Never hit the prop just the bullet and the skeag. I wanted to just have someone "bondo" it up and paint it and my insurance company (Progressive) said no way. Entire lower unit casing needed to be replaced! On a 350 Yamaha, those casings are not cheap! From the way it was explained to me there is a lot of pressure in that cone and any kind of scrape or dent will compromise the integrity of the cone leading to a possible full failure down the road...
I didn't argue with them and had it done. They paid for everything and my rates never increased...
FWIW;
Dan
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It's Always Sunny On Welch Island!!
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