Hey,
Just quickly reading through the forum, and if this is a consistent problem with your unit, you may want to replace to a higher quality fender.
I work at a manufacturer that produces after market rv parts & accessories, including fender skirts for many Keystone units.
A likely match on a Cougar would be our
Keystone Tandem Fender Skirt FS710, but we have various other models for keystones, seen
here.
The overall quality of the plastic material will more than likely solve the issue you are describing.