From looking at your pictures and what you describe, it looks like this hull suffers from the classic aluminum cap problem that so many V-20's suffer from. They get wet and begin to rot from the top down. Looks like you caught it in the early stages of it though. If you could dry it out, you could use some KWIK POLY to treat it and strengthen it back.
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2011 SUNDANCE B20CCR SKIFF, 2011 YAMAHA 90HP 4 STROKE, 2011 KARAVAN SINGLE AXLE ALUMINUM TRAILER, LOWRANCE ELITE-7 HDI, MINN KOTA RIPTIDE TROLLING MOTOR
2000CC HYDRA-SPORT 225+HP EVINRUDE SOLD 
AND THE PINK JEEP!!!! R.I.P.
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