peeling clearcoat

I noticed that on the corner of my hood on the driver side. A piece of clearcoat is peeling away. I was told this was a defect in the paint should I go back to a Ford dearship. My excursion is a 2001 6.8L V10 with 41,989 miles on it. I bought this at a used car lot with a warranty but it doesn't include paint. I just don't want to be scamed in any way.