liner ripped

Are the three bolts of the chainplate loose?
IE: are they tight through the "knee" of the chainplate?  If so, perhaps the fibreglass skin is crushed? 
If the bolts are loose, perhaps they are corroded?

Water leaks down from the deck around the chainplates.  There is a little space between the deck and the chainplates.  I re-caulk mine every six or eight monthsk, cutting away the old caulking and re-doing it.

You don't want water running down there.
Good luck!