In Indiana most insurance covers windshields under their "comprehensive". Several years ago I was blessed with both windshields being cracked sufficiently to require replacement (one as we traveled to Texas and one when we were almost home) and Progressive covered all but the deductable. Our local auto windshield replacers had no interest in working of motor homes so I had to go 40 miles away to get it done.
Based on several posts on this forum quite often body work is needed where the glass meet the metal. Mine only needed rust removal and repainting but some need more. That’s why our locals refuse to work on them as they never know what they’ll get into.
Recently I had a nick in one and had the local repair it as I didn't report it to my insurance as the deductable was more than the $50 it cost.
Dave