Progress (?) report:
I didn't file a claim with my Ford dealer until a few months past 5 years of ownership (we were on a road trip, and I frankly didn't notice the bubbles until part way through the trip). We have kept ESP and then CSP in force continuously.
Ford said the dealer quoted $3,206.68 for the replacement parts, and Ford offers to cover $3,211.68 of the total repair cost. The labor quote from the body shop the dealer chose is $1,005.00. So essentially I'd be paying $1,000 toward the repair. While that looks like just under 25% of the total cost, of course the price of the parts is marked up by both Ford and the dealer so my share of actual cost is probably closer to 50%, I am guessing.
How do these numbers look to those of you who have been through this sort of thing?