Roy, it's not hard to get to the area under the bed floor. If your safe is under there, open it, remove the screws, lift it out. The plywood is held in by two screws, one on each side. Lift that out and you can get to the slide mechanism to see if something is catching.
While you're in there, you might consider creating some extra storage space, assuming you need more space. I copied Ozz and cut that plywood in half, installed a handle on each half, then put the plywood back in. Now I can easily lift it to access what's underneath.
You can use the entire area between the rails, all the way to the "step" at the outside wall. Once in there you'll see what I mean. I wouldn't recommend putting anything outside the rails or something could catch on the uprights supporting the frame. Again, once in there you'll see it.
We store our offseason clothing in the lower area. We use space bags both to minimize space and to protect the clothing in event of a hydraulic leak.
The black box in the picture is not required. It covers the hydraulic cylinder and was given to me by Ozz. Ignore the shoes outside the rails. They got moved when I saw they were catching on the frame.