TLDR: My wheel came off my newly bought 2017 mail carrying jeep after not even a week of ownership and three days of a thumping noise happening. My fender was dented in and the black plastic part above the wheel came mostly off. Do I need to replace my fender with it being easily popped in and out like this?

I’m a mail carrier. I bought this jeep wrangler two weeks ago and received it last week on Wednesday. The delay was due to them trying to fix a grinding noise with a new tire rod and ball joints. It didn’t completely fix it, but it was manageable and ran smoothly.  
I had only delivered mail two days, Friday and Saturday, and had a problem with a thumping noise starting with the jeep. It kept getting worse in the next couple days. A car person looked at it Sunday and thought it might be a problem with the u bolts. Yesterday (Monday), I went out on a new route and setup an appointment to get the noise looked into.    
A half hour later while still on the route, my front left wheel was making a concerning jerking motion and noise, and the wheel broke off. I lost all five lug nuts, found one nearby, and it appears all five of the studs are in various states of stripping. I was able to get new lug nuts and the spare wheel back on with three studs.  No thumping noise is present immediately after tightening the three lug nuts, but the noise returns eventually. I’ve retightened the lug nuts twice so far so it doesn’t fall off again before tomorrow.  
I am able to get it in tomorrow to get the studs repaired, and the car lot I bought the jeep from is covering the cost of repairs for both the tire and body damage. 

With all that backstory said, I had two Autobody places look at it. They are now preparing estimates. One says the fender needs replaced due to it being able to be popped in and out of place as shown in the attached video. The other says the fender does not need replaced. I’m curious what any jeep people on here think, as I don’t want the repair to get so expensive that the car lot I bought it from decides not to pay for the body repair. Any advice or thoughts are appreciated! 

Does the fender itself need replaced?