Absolutely Terrible Experience with Assurant - Avoid Them at All Costs!

Just had similar incident with Assurant. Wife and I bought new phones in July 2023. We have been with T-Mobile for over 20 years. Been very pleased the whole time and haven't had one bad experience until.last month when I filed a claim to get a screen replaced. We've had the phone for 9 months been paying the insurance every month. The phone fell off the night stand one night and caught the foot of the table right in the little 1/16 inch gap between the screen protector and the case. Cracked the screen along the right edge. Barely noticeable but it's chipped and spider web  cracks up the side. Decided to put in a claim because I've never had an insured phone before. Worst decision in my entire life!!! I was impressed when I put in the claim. Only took 15 minutes and $31, I was out the door on my way to a repair shop. Gave them a 5 star 🌟. But that was short lived. When I got to the repair shop they said they didn't have any parts to fix my phone. Only thing they could do was put me on a wait list. 2 weeks later got a call and they said they had a screen with my name on it and to come in in the morning and they could have it fixed within an hour. Got there where we had to call assurant to reschedule a repair appointment so the repair would be covered.  Called the rep and it was nothing but a fight for 4-5 hours to try and get them to set an appointment. Talked to 3 different supervisor and they tried to get their system to set the appointment but it always came back with.... this repair location doesn't have any parts. And would not allow us to make an appointment. We even tried to cancel the first claim and start a new one. The system would not listen they always came back with the only solution was to have them send another device. So payed the additional $99. Waited through another 2 weeks of mail delays. Finally a replacement device came. It was a used phone and was green Instead of black like my original device. Called assurant back. I'm returning this refurbished bs. Should have read the fine print more closely. Worst insurance policy I have ever had. Would not recommend this company to my worst enemy. Found out I could have had free coverage through my CU with only a $50 deductible, new device no questions asked, policy this whole time  ($250 deductible with the clown show company) Now it's too late and I'll just have to suffer through a a broken screen until Jump day. Had I really payed closer attention to the fine print I would not have purchased this insurance at all. NOT REVOMMENDED!!!