Create transparent hole in sails

I am looking for the easiest way to rip holes in the sails of a ship when hit by a cannonball. The sails are not made of planes but of really flat meshes. On each rigged mesh i have a cloth component which most probably won't matter for this specific problem.

Does anyone have experience with this specific kind of impact hole creation? Finding out the impact point won't be a problem but the rigged mesh is bend by the cloth component and the impact point of the box collider wouldnt be the correct point to spawn a texture or so i guess? Also I am wondering how to create a transparent texture hole on this point?