I would start with a google image search to see torn fabric ('torn shirt' for starters), and see what makes it look specific like, well, torn fabric. Then I would start bij adding a mask, painting a hole, according to how fabric tears. Then I would paint the skin under the hole (maybe copy/paste a piece of her arm or face and playing around with color correcting it a little). Next you will have to 'attach' the wing to the skin. Or choose to have a piece of fabric in front of the point where skin and wing meet (sounds like a chicken recipe now). On the skin layer I would paint some shadow (whith a soft brush, blending mode set to darken or overlay or similar, with a low opacity). The reason I do the hole first, is to see what else is needed to complete the effect. The particular fabric of this shirt (in my imagination) tears easily, and kind of rolls up (this should have dictated the form of your hole in the first place). You can copy/paste pieces of cotton from other parts of the shirt to create the loosse parts. With the lighten and darken tool you should put light where the shirt is 'high', and dark where it is low, and also put dark underneath overlapping parts. It sounds like fun. For me. I would choose for a rather hand-made approach, as you can see. I hope this helps getting you started. Good luck!