Can't get Tmobile and Assurant to agree on my coverage

What's the first thing any rational person tries to do when their phone stops working?  Find a backup phone temporarily and put your sim in it if you can, not go file an insurance claim.  But what they don't tell you is that once you put that sim in a different phone, your coverage apparently is no longer tied to the damaged phone.  When I added the 360 protection I make the logical assumption that I was covering the phone I purchased when I added the protection, not any phone I throw my sim card into.  They need some kind of warning or to ask you if you want to move coverage to the new phone.

This ended up creating a whole mess where my claim was denied because I had swapped my phone to my backup phone for a bit and then back to my damaged phone when making my claim and then back to my backup after I completed my claim.  My phone screen stopped working, but I could still connect it to a TV to operate it.  After 5 hours of being ping ponged back and fourth between T-Mobile and Assurant and hung up on 25% of the time I realized T-Mobile would do squat for me.  Only after posting my frustrations on twitter did I get "lucky" and get immediately routed to a floor manager at Assurant who was able to confirm that my account did have my phone active on it at the time I filed my claim and quickly overrode the denial and approved my claim.

They clearly make this difficult for a reason.  That reason probably being that the more claims Assurant denies the more money they make.  They know that there's enough people who will just give up and be swindled into upgrading a phone with T-Mobile.  That's why t-mobile doesn't care either, because t-mobile also makes money when Assurant denies a claim.  And even if they loose some customers, if they are making money off of Assurant's scam, they are happy.  Just disgusting and sad.  I can't wait to get rid of t-mobile.