Your photo shows classic delamination. It doesn't have to be caused by water intrusion, but that is the most common. As a guess, I'd guess a bad pail of glue during construction, or a new employee. Given the value of the unit, vs the repair costs at a shop, I think I'd be tempted to do the work myself.
***UPDATE 2006 3500 SRW MegaCab pulling a 2007 fleetwood 5'er