Yep, it's a belt. The belt hitting the cover is a common ailment on the zetecs. The cheapest fix is to use a couple of washers to shim the cover a little higher.
95 Contour Zetec, ATX (wrecked, sitting in the barn)
95 Mystique Zetec, MTX
2000 Taurus SEL 3.0L Duratec
1994 Crown Victoria LX 4.6 V8
1993 Chevy Silverado 4.3 V6
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