CJL,
When I worked for Tracker/Bass Pro, we had several PT boats come in with cracked hulls.
All but 2 were repaired under warranty.
One of the remaining boats was replaced, and the other was repaired under an insurance claim because it had very visible evidence of having hit something.
Let the dealer look at it, they will then send pic's to Tracker and they will make a determination.
Evidence of "impact" with something other than water is much easier to diagnose on tin than it is on glass, so you shouldn't have any issues.
If you do, then file an insurance claim like Mac said, and all will be taken care of and you will be a happy fisherman again!!!