Assurant Claim Denied - Say i did not have an Iphone

i have glanced at the terms and did not see that specifically but read some general statements that made me think they were somewhat implying that.  But that is just wrong on the part of T-Mobile.  I gave them my phone so they could verify it and it's condition.  They cant just then change it to a different phone.  Nobody at T-moile has indicated i could not do that, they all seem to say it's okay but Assurant still denies the claim.  I had a store manager tell me it happens and can be resolved.