I'm the one that renewed this post by commenting a month ago! We decided not to replace the panel yet, especially after finding out we needed to replace the whole thing, not just the colored panel part. It seems they must insert it in and then weld the rail. I didn't want to tap into our insurance after owning the boat only a year. Ours is only a small dent, too Mattsonjt, what a great idea to protect the rail in rough water! We were not going fast when our dent happened, but we did have a full boat. Our lake rarely gets high waves from wind, our situation was more from the rare triple wave from multiple boats. It happened so quick I didn't even think about seeing what the wake boat looked like to chase him down to scold him. Since I didn't know the panels could dent from a wave, I didn't think to look for damage! My uncle's older pontoon boat has taken on many waves over the years and there has never been any damage. So I didn't even know this could happen. But his water just seemed to flow down the deck, not have the force of the wave hit the front... His boat's pontoons stick out a foot from his deck, he has about 2 feet of deck in front of the panels, and his panels are a little shorter....they seem a bit more rigid as a result. I don't know if the aluminum is stiffer or just the shortness allows for less give. I do notice the newer pontoon boats have decks that reach out to the end of the pontoons, which I think allow in the water to flow over the deck more easily when the pointy part of the toons dip in the water in a wave situation. I enjoy reading all your comments and I always find it helpful to share and learn! Thank you all!