I ran into a rock
in the Thimble Islands last August. We were motoring at about 2.5 kts, paying close attention to the chart plotter (up to date chart chip) and watching the buoys. We hit relatively hard and ran over it. Subsequent inspection revealed that we hit on the leading edge of the keel about 4" from the bottom. There was no visible damage including checking the keel bolts from the inside of the sump and we were not taking on any water. We motored back to Milford (our home port), about 8 miles, called ahead on the radio and had the boat hauled as soon as we arrived. The keel had separated from the stub by 1/4" to 1/2' at various points and all the filler that had been used to caulk the joint had broken away. The insurance company (BoatUS) advised me to get a surveyor (at their expense) to look it over and confer with the yard guys. The consensus was that it could be repaired to be stronger than original. The insurance company and the yard negotiated a price and the work was completed with the only cost to me being my deductible. The yard dropped the keel, cleaned everything thoroughly and replaced the keel using epoxy as the caulk. Then they faired the keel and joint and repainted everything (it was a brand new bottom job at the beginning of last season). Since then, we have been sailing, sometimes pretty hard, and seem to be suffering no ill effects.
My point in posting this here is that, if you hit fairly hard at any of these groundings, don't be lulled into a false sense of confidence just because there's no damage visible from above. Have her hauled and check things out very carefully. If I hadn't had her hauled right away, I'm sure she would have started taking water real quick. Further, the hull-keel joint would not have been solid or dependable.
The cost to the insurance company was ~$8,000.00. Thanks to BoatUS! They were wonderful to deal with as were the great folks at Milford Boat Works who had us back in the water and sailing within 2 weeks.
--Smitty