Help!

I lost the battle on Ebay when a buyer purchased my saddle and then told me she didn't like it. She then told me it was damaged on the horn and that it had been for a long time.

I told her there was no damage when I shipped it and Paypal finally stepped in (we had a battle over who pays shipping) and settled it. I got my saddle back in a box that was too small with all my packing material stuffed in the bottom instead of wrapped around the saddle like I had it. Now there is a tear in the leather across the horn. Anyone know what to do for this, how much it would cost to repair (average), and if it is worth repairing?

It is a Silver Royal Equitation saddle that is too big for me (16") and is in good shape (or was) with a few cosmetic stains on the seat that you can't see when you are in it. I used it for Open shows and training.