Being charged for phone after returning back to Assurant...

Yeah, T-Mobile has gone way down hill.  I'll be doing everything I can to find a better carrier.  The fact that they don't back up their customer for an insurance service they market under their name is disgusting.  I spent at leas 5 hours on the phone being ping ponged back and fourth after being denied a claim because I was swapping my sim from my damaged phone to an older backup phone.  Even though I had the sim back in my phone on the date I filed my claim I was told repeatedly by Assurant and T-Mobile that my account didn't show the covered phone on my account on the date of the claim.  A supervisor at T-Mobile tried to sell me a new phone at the full cost and said their was nothing they could do.  Literally they were willing to do nothing.  No credit, no new deal on a phone.  Total B.S.  Finally, only by chance, I got a floor manager at Assurant who was able to dig deeper into my t-mobile account and verify that I in fact had my phone active and covered when I filed my claim and immediately approved my denied claim.  The only company I can give some credit to is Assurant for finally coming through.  T-Mobile is useless.  The only reason I stick with them is the Netflix and Free international  roaming.  I'll be looking at other options now.  Any loyalty I had as a t-mobile customer is gone!