Agree that the white plastic insert is too far down. It needs to be pushed up pretty much as far as it can go and held in place with the zipper. The insert should stop well before the top contacts the metal. I had this problem when I had a top that didn't have the plastic inserts. Haven't had the problem since i added them.
At any rate, if you bought the top from a vendor and have a receipt (not used), and still under warranty, then Bestop will warranty it. Don't call Quadratec, they are likely just drop shipping those tops. Everything comes from Bestop. If anything, contact Bestop directly.
I had a problem with my RAT zippers breaking. It was around 2 years after the warranty expired and Bestop still sent me a new top after seeing the receipt. Sometimes the tops are just 'off' for some reason. They will likely replace it.