Assurant will not let me get my screen repaired

I have a Samsung S20 FE 5G & I cracked the glass but not the screen, I went to file a claim & Assurant won't give me the option to have my phone repaired at the CPR store in town even though they said they could if I had my claim code. The difference is a New Phone at $99 deductible or repair the screen at $29, of course they want me to replace my phone but I have tons of music on my phone I don't want to lose & why can't I just get it repaired? They have given me the run around whe calling saying there's not a center in my area & then when I said there is they said they cannot fix my model, even though the store told me they can.