Where the jack goes is nothing horrible. Mine was so bad I cut off all of the seems and ended up taking off the entire bottom portion of the rocker pannel. After 7 auto shoppers and about a gallon of bondo theres no more holes.
My rear 1/4 pannelwheel wells you could fit a baby through the holes they were so big. So with a bunch of sheet metal and a bunch more bondo and under coating and fiberglass mat thingy the water just doesnt come in and get things wet, now theres jsut a 4 inch puddle of rain in the holes when ever I would drive it.