T-Mobile Assurant is a scam!

Assurant sent me a phone that was damaged. When I tried to do a upgrade I found I the phone was missing the strip that lets them know it had water damage.  Why are we paying insurance for them to send of damaged product.  Then when you reach out to them they say it is nothing they can do.  I called T-Mobile and that was useless too.  I am seriously considering changing to another cell phone provider this is crazy.