I have had my Galaxy s5 for less than two months and out of no where I picked up my phone and the lens was shattered. No matter what phone I have I always keep it protected with a case and a screen protector; I work with cell phones I know how important it is to keep your phone protected. I have never broke a phone and had to do an insurance claim, now all of a sudden I have to pay $175 to replace my phone because this tiny piece of glass broke. Now that I have read this post I am sure that it is an issue with the phone, not the owners. It is good to know that Samsung will replace it for about $100 less than doing an insurance claim, however I am angry that I have to pay a dime. I am pro Samsung, I love their products and I have had many of their phones, but I an highly upset with the s5 and this issue.