yup I say pull the cover off (2 bolts on the left side and move that stupid line) and it will slide right off. Inspect the belt for crack/missing teeth like others have mentioned. If all looks sound check how tight it is, it should be tight enough to where there is no slack when you press down in the middle of the belt between the cams.
if it's too bad don't drive it, it could blow at any time.. and if you have to stop quick when it blows.. well.. you're screwed. You won't mess the motor up because they're non-interference but you could get into an accident.