We had the tongue snap off our 29’ enclosed three seasons ago. It was slightly in front of the v, we cut it back 6” welded on a new tube and fish plated the sides, been good the last three seasons. We did not have insurance either. Probably have put 25,000 miles on it since then.
Ours had three beams that merged to one, that’s where it snapped and we cut back into that to get more weld surface. In your case I’d replace the whole beam and run it