The insulation in the underbelly is foil insulation. Make darn sure the bulge is not water in the underbelly. My underbelly bulge was about 60 gallons of galley and gray water.
remember water weighs 8.33 lbs per gallon 40 gallons =333lbs pushing down on the ABS plastic tank. They are not supported underneath. The tanks in our 13 3402 do not come close to touching the underbelly
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