Hull explains it, living near the coast with all that salt.
Mine has started going on this beam but I've treated and painted it
I think you might find that if you chisel the rust off you will hopefully find solid metal below. In which case you will be able to treat it with rust curer and then paint over. I would be surprised if it were rusted through, I expect the metal is pretty thick.
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Phil
'98 V70 2.5T (manual '99MY)
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