Because the cost skyrockets once outside OEM. I don't remember the exact numbers but I vaguely remember ~$3,700 for 5 year 70k coverage... And that was 5 years from the model year.
Did you open a case with Ford yet? Submit a complaint to better business bureau of Florida?
I recently did both and had success.
Heres the contact Email for the Customer Service Manager at Ford that I dealt with: [email protected]
Hope you get resolution soon.