I contacted Asurion about a lost phone. Negligence on my part, yes. Asurion agreed to the claim process and mailed me a replacement. A few emails updating the arrival. When the phone didn't show up I called them. Yes a painstaking process to talk to a real person. I also went through various automated disconnections. When I finally talked to a real person, she was quite friendly and very helpful. Then I was connected with the adjuster. Completely opposite. She left me on hold for quite a while as she accessed my info; given that my info was in their hands through the last four steps I went through. The answer I got: "It appears that the terms and conditions are not being followed." When I acquired about it. I was Told that no further information can be given because Asurion scans and investigations are confidential. Basically, we pay Asurion to lie to us.