On the traditional designed boats you cut the cockpit sole to expose the stringers and bulkheads. whatever you do, do not cut the hull . . . that would be bad.
On the newer design (2-piece, clam shell) boats, it is a different story. that's why some detail and perspective pictures will help us see what type of boat design/construction you have and any obvious signs of deterioration.
Take a look at the many threads on here and you will see the steps that others in your situation have gone through. . . most are of the older 'traditional' design where the cockpit sole runs right to the hull side. there have not been too many of the newer 2-piece 'clam shell' design.
Since your boat is a 1995, it may be either design, so it is best to know which one it is first.