I’ve been replacing windshields and doing chip repairs for 23 years. I can tell you safelite is definitely not the best. They are very fast but their quality is lacking. Do your research talk to your insurance and take it where you feel comfortable. FYI, your insurance cannot make you go where...
I can almost guarantee, there was a small rock chip in the black part of the windshield. Very common, I’ve replaced windshields for over 20 years. Temperature change in general is very bad on glass, especially if there is a flaw or rock chip.