Hello,
First, I would like to point out that we have a 7 year warranty on our speakers, so I'm not sure why you think it is out of warranty. This does not mean we will warranty it - you will have to send it in and let us look at it. There's info about how to do this on our website. It's also a good idea to not tear into the speaker if you want us to warranty it.
However, based on your picture, it appears that you bottomed the coil. The wire commonly falls off the bottom of the coil when you bottom a speaker. It's hard to say for sure since the pic's a bit out of focus on the coil, though. However, power is not an issue here - the coil looks pristine. If you were burning it up, the coil would be darker or even black. Regarding the rubs, if that's what's on the right side of the inside of the coil, that is probably just from manufacturing. If the coil was really rubbing, there would be very linear marks on the inside of the coil and corresponding marks on the opposing side on the wire (where it scraped the top plate). However it is possible that there was a manufacturing defect. Please send it in and let us look at it if you'd like to know.
John