I have a same year Chateau 31E, and there isn't a liner in the rear wheel wells. There are just mud flaps.
If you are talking about those mud flaps, the ones forward of the wheels do tend to come loose and then rub on the tires. I've owned a 23U and a 31E and they have all done this. They are attached to the sides of the coach with small sheet metal screws that rip out. I use wire or zip ties to attach the flaps to the frame and keep them from rubbing on the tire.
There are other threads here about those mud flaps coming loose and rubbing the tires and various fixes people have done.
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