The depth finder will read the depth to the top of the rocks, if the transducer is directly above the rocks. If the rocks have pointed tops and vertical sides, there's no way you can safely use a depth finder to gauge the depth or rocks that are too shallow for your boat, because it will be way too late when the finder sees them. You could invest in forward looking sonar, but that's awfully expensive. The only real solution is a sharp lookout and very low speeds. Polarized sunglasses often help cut through the glare on the water making the lookout function easier.
If you slip the boat, you should get the gouges repaired ASAP. Raw fiberglass absorbs water and the longer it's in the water, the longer it will take to dry out enough to repair properly.
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