It is difficult to make much of a judgment as the specific locations of your photos in reference to the hull is unclear. Note, however, that once bonded in place, the hull liner forms an integral part of the structure of the hull and is not simply installed for convenience sake. Liners are typically cut away between floor beams—the “ribs”—to reduce weight and allow access to the exterior hull skin before being installed. The installation is done with epoxy based adhesive while the hull itself is still in the mold and "green" so that the bond between the liner and hull is both adhesive and cross linked chemically. Generally the exposed edges of the cut away portions of the liner are ground smooth and bi-axial glass tabs are laminated across them and to the hull skin itself. The seller's representations to the contrary not withstanding, the "ribs" formed by the liner, and particularly in the vicinity of the saloon floorboard are absolutely an important part of the structure, particularly so considering the suspension of the keel in this location. Hence “cracks” are important and they are not repaired by merely stuffing epoxy filler between the hull and the tflange as appears may have been done in the third frame.
Unfortunately, bashing the keel into a solid bottom—like a rock ledge—is not unknown. In such event, the keel rotates forward and down, pulling the forward end of the keel away from the hull and forcing the back upward and into the hull. Of course, the hull distorts and, with enough distortion, the ribs are torn away from the skin of the hull. Is it fatal? No, not unless the hull skin is breached, but the strength and stiffness of the structure are compromised.
Before going further with this yacht I would put a call in to Beneteau USA and get yourself a consult on the matter.
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