Sounds like mine, foam under the fuel tanks and cabin, poor drainage. Same issue with the bulkheads, foam + water + wood bulkheads = ROT, I hate foam. My foam was factory. At least forward, it looked like Potter tried to replace the lateral reinforcement that Moesley would have had to include, with foam. Seemed to work ok on many boats; mine took the best part of 40 years to fail.
I removed all the foam in the process of replacing bulkheads(with holes for air circulation) and added a couple of full height bulkheads under the cabin and some low ones under the fuel tanks. Much stronger now and didn't add much net weight.
If you decide to not replace the foam, be sure and add some reinforcing bulkheads and extend the forward stringers to the forwardmost bulkhead. Be careful of making hard spots; don't ask me how I know this.
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