Complaint / review text:
In May 2014, I called Assurant, my phone was broken. Being the phone would not work I used an old phone the TMobile had to activate to use. So Assurant, when checking the status of this phone denied the claim being the broken phone was no longer on the account. Even though TMobile called them and explained, they kept taking my credit card and then denying the claim.
Then after 2 months or trying to explain this issue to them, they denied the claim because it was older then 30 days from the break date! It was 30 days late because of THEM! For the next two months we tried in vain to explain and fight this lunacy on the part of the Assurant phone operators. TMobile would get on the line and verify my phone was indeed covered during the period. They would agree, then take the credit card info, then after a week or so, reject the claim for the same idiotic answer.
In July 25th, 2014, we tried again to get the broken phone to work. TMobile re-activated it, we tried to use it, and it again failed because it was still broken. I went back to using the old temporary phone, and place a claim again with Assurant with TMobile on the line, explaining the situation, and TMobile requesting coverage, and verifying the phone was under coverage when it broke. They took my credit card info twice, said they would cover it, then after 10 days of no answer, said the claim was denied. Why you ask? Because the phone, a MYTOUCH Q, wasn't covered on the date of the breakage. Assurant kept going back to this idiotic false premise, even after TMobile verified it was!
TMobile sent me a replacement phone that I am now using. Assurant uses misleading facts, half truths and questionable tactics to refute claims. They cost me 3 months of using my original MYTOUCH Q phone, the cost to buy a replacement, frustration. They keep sending form letters to refute the claims, again based on a false premise that they created. To me they border on fraud, and use clever legal maneuvering to escape covering insured items. The people on the phone are rude and obnoxious, with repeating the same programmed questions and answers. I contend I am due $450 in damages.