Josh,

I posted some pics for you in the photo forum:

https://j30.us/ubbthreads/ubbthreads.php/galleries/15207.html#Post15207

The verm supports the floor like the joists in your house. It was used instead of traditional stringers or "floors" because the floor is a molded part of the liner. It was set in all at once, squished onto globs of verm under the floor. The verm form fit into place.

The floor is a fiberglass laminate with a 1/4" balsa core. The floor was molded together with the liner (galley, cooler, settes, engine pan, etc.) all at once. Then all set in and tabbed where they could reach. It's under your teak and holly.

The verm aft of the keel sits in a low spot that can collect water. Your water is flowing through there from somewhere.