The numbers · filing deadlines
Not from the denial, not from the repair quote, not from when you found the paperwork. Phone insurance filing windows run from the day it happened — and they are shorter than most people assume. This page is the table, the counting rule, and the honest note about the cells nobody can verify for you.
| Plan | Window | Applies to | Status |
|---|---|---|---|
| Verizon Mobile Protect / Wireless Phone Protection (Asurion) | 90 days from the incident | All claims | Verified — plan terms |
| AT&T Protect Advantage (Asurion) | 60 days from the incident | Loss and theft claims | Verified — AT&T support/terms |
| AT&T Protect Advantage — damage claims | Your plan documents control | Damage claims | Not pinned in the terms we checked — do not assume 60 |
| T-Mobile Protection 360 (Assurant) | Your plan documents control | All claims | Not verified in our research — we won't invent it |
Whatever your window is, the practical rule is identical: file immediately. Every day of delay spends window, ages records, and feeds the timing questions behind "program abuse" flags. The free checker counts your specific days left.
The clock runs from the incident date you state — which is why the stated date must be the true one and must never drift (a changed date both restarts arguments and creates the discrepancy denial). If you discovered damage later than it occurred, say so in exactly those words on the first call: discovery date and incident date are both recordable, and conflating them silently is how honest claims acquire false timelines.
Want your own numbers first? The free checker takes your carrier, your plan, and what happened — and returns your exact deductible, your filing deadline counted in days, your claim-limit status, and the trap checklist for your case. Run the checker →
The pages above are the map. The kit is the paperwork: the trap map, the tables, the decoder, the complaint packs, and the worksheets that keep every number and clock in front of you.
One payment, yours to keep. We never ask for your carrier login — you file everything yourself. See everything inside the kit →