If it's just the paint layer you'll be ok. If it's through the gelcoat to the fiberglass with the little bit of use you've had you should be good to go. Find a good shop and take it in, they'll be able to help you. If you have absorption through the fiberglass (usually after a year or 2 of heavy use) the shop can fix it without replacing all of the foam, all it should take is a few holes to allow air to circulate to dry it out, fill them with fiberglass resign (I like to use the west system and add the fiberglass filler to it and apply with a syringe used to inject turkey's) then a good application of gelcoat and you should be good. I ran one of my boats for 3 years with a good size chip through the gelcoat to fiberglass and didn't have absorption through the fiberglass. Yours looks like failing paint/gelcoat and not hull damage you shouldn't have much to worry about