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Stock JK TechBulletin board forum regarding issues with OE (original equipment) components of the Jeep JK Wrangler (Rubicon, Sahara, Unlimited and X) such as factory suspension parts, engine, transmission, body parts, interior fixtures and the on-board computer.
I have seen some vehicles sprayed with rubber and when the rubber is cut into, then moisture get in there and you can't see it and you will have rust. Have you checked for this? I would think rustoleum would be the easy and safest fix. I have not heard of undercoating in years as I believe California stopped its use!
This would only happen if applied once and forgotten about. Like everything else in life, it requires maintenance and inspections time to time. If kept maintained, a undercoating or rust refromer can be a big advantage. If a crack or any other entrance where water and air can get into, will get in there and become a haven for rust to start forming. Usually this can be a visual of cracking or bloating of the material. If not checked, you can cause way more damage, due to the the steel not able to dry constantly in a moistioned state.
I use Rust olenum's Rust Reformer as a undercoating for 2 years now,, works great. If I find a area that needs maintenance,, I take care of it ASAP to stop it from becoming a career...lol