Depending on the size of the chips, it may not be you at all! There is the possibility of having the steel have a weak spot in it. I've seen it on my great grandfather's near full wedge W&B. Further honing provided clean steel.
Take advantage of the free honing coupon but take care when rinsing when you get it back. You can use a rag to wipe the lather off on. Something else you could do is hang a washrag over the faucet to keep contact with the razor at a minimum.
Just be thankful that you didn't witness this happen to you which happened to someone else many years ago:
http://straightrazorpalace.com/razor...forgotten.html