Maybe your dad was ticked off that you were flying his plane?
Sorry, for making jokes but laughter IS the best medicine
First, somebody smack Ken, THERE ARE NO BUGS IN MINNESOTA IN THE WINTER!!!! (It's the only good thing ABOUT winters here! LOL)
My guess is (as others have said) Something was amiss - be it a hole, a wrinkle, or a bug (Maybe a flying ice crystal?). Now combine that with the fact that MK is brittle to begine with, AND the fact that your wind-chill factor was probably in the neighborhood of a billion degrees below zero, and I can easily see how a chunk of covering blew off.
All that had to happen was to get a little airflow inside the wing and it would blow up like a balloon - combine that with brittle covering and POW!
Bummer about the loss though.