In FL, you can always get the windshield replaced for free. The glass companies to all the insurance paperwork and everything for you. You can get the thing replaced with no out-or-pocket expenses. There is a company that even gives you a free box of steaks for calling them out.
So you get a crack in your windshield, call a moblie company to come to your driveway and replace it. Then, before they leave, they hand you a box of meat. Awesome!
I believe it’s the same in NC too, minus the steak. Have you checked into this where you are? It might cost nothing to replace.