Agree 110% on the insurance aspect you present. May be a defect? Utter non-sense...definite defect, either in materials, workmanship, or, engineering. Most likely a combination of all three leaning more heavily on the design side.
My 2010 low/no-tech Suzuki's moon roof glass was struck, while tilted open mind you, by a large tennis ball sized nut falling from a very large tree (god knows from how high) while driving down the road. It did not shatter, it did no crack. It is fully functional and leak-free to this day. No added tint and I always have the interior shade fully closed and only just cracked, slid open an inch or two, anytime the glass is tilted open. I leave the car out in full sun all summer w/o any issues as one would expect. it is parked in the garage during the worst days of most winters recently.
As I've eluded to in several threads for those paying attention, the money to pay for all of the added non-sense tech installed in today's vehicles has to come from somewhere. Short of raising prices to where no one would purchase the vehicles....other existing features get cheapened up to compensate, it's simple math. Cheapened up to the extent that what was never a problem in the past now becomes problematic as the norm. Things that took many years to become reliable and functional for the duration of the vehicles life. Result? Auto makers will attempt to force us to fight, or, claim it under insurance...pay, pay, pay, one way or another. I'd be curious to know if anyone experiencing this particular failure w/ an extended B2B warranty is forced to decide between those two choices of recourse.
The sunroofs are another unwanted package option that resulted from me simply wanting the premium factory sound system in both the CX5 and the 2010 Kizashi.