Insurance company denies phone claim over strict policy until customer reminds them it will only cost them more: 'So how likely is it that a cracked screen could lead to water damage?'

If there's one thing you expect insurance companies to be good at, it's denying claims… But if there are two things you expect insurance companies to be good at, it's denying claims and making solid cost/benefit analysis—that's kind of like their whole thing. So, nothing will put more weight on the scale of action and decision than reminding them that failing to deal with an issue or repair now might cost them more money a little ways down the line. This concept, of course, serves as trueany time there's money involved, and someone needs a little push to get something done—except for building contractors, who will be impossible to get to show up no matter what you tell them.

Back in the earlier days of cell phone plans and replacement policies, it was pretty common to have your plan and your phone tied together (is this still a thing?) there were terms of replacement from accidental damage and mishaps similar to something like Apple care that were either handled by the provider themselves or a licensed insurance company. Somewhat strict and silly enforcement of policies resulted in frequent situations like in this story and the ones shared in the comments where people would literally go out into the parking lot to drive over their phone after being told the damage wasn't substantial enough.

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