Yes the labor does tend to be very costly. And if they are working with stone, that sounds like work!
Dh does most of the labor around here... I am very thankful of that, cost wise it helps immensely. Of course, he wishes he didn't have to & there will come a day when he is just no longer able to do so much.... we're not getting younger!
I don't think we have a single pane window in the house. The window with the puncture is a four paned window and the whole thing would have to be replaced, it's all one piece.