You ARE under warranty. Check your owners manual. The cats are warranted for 80K (Federal Law). Ford replaced all three of mine when I took mine in with a CEL at 78.5K. Ford doesn't mess around with this warranty, becasue they are required by the Federal Gov't to honor it. If they don't, just ring up the EPA and let them know...Ford will gladly replace you bad cat rather than deal with that.
You DO have to get a dealer with the CEL on with less than 80K miles.
BTW, welcome to Florida. You will have so much fun next winter calling all your friends from Philly and asking about the weather...from the beach.
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