Like mentioned above, you should have a regulator for your heating mat so it stays constant and doesn't have weird fluxes in temperature. Also appropriate to have is a temperature gun so you can point at a specific spot and get an accurate temperature!
Also if you're using substrate, every other day I have to go under the hide on the warm side and make sure the substrate is evenly covering it. There could be some spots where more heat is coming through because of the material being pushed around. This is also why a temp. gun is useful so you can quickly scan over that area to see any spikes.
I'm going to assume you already know this, but just to refresh I consider anything above 90-92 degrees is probably a little too hot for their bellies.
I haven't had a scab happen before, but Dumplings belly has been a little pink in the past because of the heat being too high. I'm sure others will be able to give you some first aid advice!