2021 xC90 Wheel Arch Paint

[Welshvet88]

Good afternoon, I would be interested to hear everyone’s thoughts? I bought this XC90 from New in 2021. I have just noticed today that the paint on the arch of both front wheels and the underside of the side steps is extremely roughened and has revealed a silver undercoat?? Interestingly this the area that when spray from my tyre or dirt is released that would take most of a hit. I cannot understand why a car of this value and spec would have paint that could potentially be impacted by weather to this degree. I only drive on main roads. Does anyone think Volvo warranty may come into play here? I suspect not from reading some previous threads.

Many thanks in advance