Carrier/rack problems of the 2018 Lexus RX350

I was traveling on a 4 lane divided highway at 60mph. Weather condition was sunny and 10deg. Suddenly I heard a loud cracking noise that was startling. Fortunately there were no other cars around and the interior shade was closed. I arrived at my destination to find the sunrroof had shattered and there was glass shards on the interior shade. I have only had this car 5 mo. , am the only driver. The car is parked in the garage overnight and I have never opened the sunroof or the interior shade. I returned the car within two hours of the event for repair assuming it was a defective sunroof. I've been told that it is not under warranty and that it will cost $960 plus tax to fix. Since my insurance deductible is $1000, this is an out of pocket expense! I have reported the event to the Lexus guest experience center and the rep said that they will review but there is no promise of reimbursement. I am also reporting this to consumer reports. Since exploding sunroofs have been a problem for years with different makes and models, I feel it is imperative the NHTSA do more to regulate the manufacturers.