We don't ship out any games with loose discs, so if they are arriving with a loose disc it's due to how they are handled once we ship them out. Due to the limited nature of our games, we are not able to replace copies with loose discs. The good news is that PS4 games do not scratch without a lot of effort. Your disc is not damaged.

Here is a video on how to fix loose discs,
https://www.youtube.com/watch?v=mIdlgFOdfAk&feature=youtu.be