The last time I had a boat with a center-line crack, I brought it to a boat builder for his thoughts. It took him about 90 seconds to determine the longitudinal stringer amidships had rotted away and allowed the glass to flex until the break point. Repair costs far exceeded the value of the boat.
Boat leaked and was not safe.
I ended up taking a sawzall to the whole boat: saved lots of good hardware, the engine (of course). I chopped up the boat for two reasons: had several people ask to buy it cheap and there was no way I was having a drowned family on my conscience. Second, wanted to confirm the problem: sure enough . . . hull was entirely compromised.
Hopefully, your issue isn't as extreme as mine. In any case just be safe.
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