Motorola Droid RAZR MAXX HD

In the past, other phones have been warrantied when the LCD screen is cracked underneath the top layer of gorilla glass. As long as there is no physical or water damage to the phone other than on the sub-screen, you should still be covered. The first series of Droid RAZR's they put out had a similar problem that was eventually fixed. Reference that issue when you talk to the in-store rep and/or customer service rep on the phone. Should see a new phone overnighted to you without much of a problem.

I work for a Verizon retailer, and I've seen Verizon cooperate countless times with freak issues like this.