2023 TOYOTA BZ4X Structurebody Problems

I drove my 2023 TOYOTA BZ4X home from work after a heavy rainfall in Galveston, Texas in January 2024, had about 2-3 inches of rain on the road, driving about 15-20 miles per hour on my way home. Both front wheel wells/mud guard liners came off. I drove over one of the liner, stopped and picked it up. Also a liner in the back of the car's undercarriage was hanging out. Took the car to the dealership the next morning and was told since it's due to external force/rain. The warranty on a 6 months old car is not covered. Called Toyota cooperate office and was told the same thing. I was quoted $4000 for the repairs. This should not be happening on a new car while driving 15 miles per hour on 2 inches of water on the road. I know it's 2 inches because I stepped out to...