This is a common bug no one can fix. Save and reload, that will correct it.
It seems to happen more due to alt/tabbing in and out of the game. I only get it when I tab out and come back.
Any banging of land against your hull will damage it, but the harder or faster you hit land, the quicker it will be.
Also, you'll need to dock at home base for repairs, not just a refit base.
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