its covered under the 4/50. It is a defect, the plastic polymer resin separates from the carbon fiber, it has nothing to do with care of the vehicle, it happens from under the plate and an air bubble forms, similar to peeling a screen protector off your smart phone.

Unless there is is an obvious crack caused by something, it will be covered as a defect, in my case there were no cracks, once removed you could clearly see the parts had separated from each other. The bubble on the top was minor, the switches were holding the part together, once the switch was removed the part essentially fell apart into two pieces. My bubble was significantly larger than the OP’s when I took it in, but I noticed it months ago when it was about that size and pointed it out to my service advisor, he said to watch it and he would handled it at the next oil change if it got worse, and it did over 6 months in increased 5 times in size.