To me it looks like its all fairing material separated at the ballast/stub joint. It could be impact and ice combo damage. If your bolts torque to the correct # and nothing is askew get a second opinion..especially from your
insurance co.
Repair, insure, go sailing. Go to the Hunterowners.com website and talk to all of the H356 owners to see exactly what you are dealing with. The 356 is a good
boat.