One thing I can tell you about those stocks is they tend to chip easy. If there was any kind of void in the stock when milled it will chip away like that, I've had it happen more than once. Like double gun had said the solution would have been to bed the bottom metal and either touch up the chip or repaint the whole stock. I think the smith should have made you aware of the damage there is no way he could have missed it.
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"I don't know about the "shooting Savages" part. I have one and I have had considerable difficulty doing well with it. Part of the reason for this is that I feel a need to put bag over my head to hide my identity when ever I am shooting it!"
Leeper
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