Guides
Start with the free claim checker for your numbers. Then read the page that matches your fight — each one carries the figures, the traps, and the doors, with every number's source labeled.
All eight denial reasons, decoded — each with the fact that reverses it.
What the terms allow, what they don't, and the middle where fights are won.
The most-cited denial reason — and the correction protocol.
The active-line rule and the carrier record that answers it.
The real windows, the wrong-window denials, and the honest remainder.
The denial that explains nothing — and how to make it explain itself.
The limits per plan, the counting errors, and the rolling window.
Every carrier's numbers in one place — verified figures and flagged ones, labeled.
90 days, 60 days, and the two honest gaps — with the related clocks.
$0 repair, the $99 rule, and the $19–$279 loss/theft table.
The published $25–$400 table, tier by tier.
Flagged secondary numbers — and how to get your real one.
When repair is free, and the conversion that makes it $99–$400.
The bad-deal math: deductible + slot vs. what the phone is worth.
$384–$600 of premiums before any deductible — the honest cancel math.
A fee up to the full retail price, on a 10–15-day clock.
The theft-claim document — and the mismatch trap inside it.
Dead pixels, wrong model, downgrade: the arrival protocol.
Six steps, three companies, and where each denial is born.
Why a third company decides your carrier's claim.
The Asurion fight in Verizon clothing — 90 days, two plans, two limits.
Asurion administers; CNA underwrites; the regulator has a door.
Protection 360 is Assurant's plan — the same fight, the right name.
Free, answered by Regulatory Affairs, documented to reverse denials.
The pattern in the company's own words.
The door nobody knows exists — these plans are insurance.
Both facts, fairly stated: licensed at scale, 1,339 BBB complaints.
Every guide above is the whole explanation — nothing held back. What the guides are not is paperwork: the written packets, worksheets, and scripts for each door, assembled in the order the desks grade them.
One payment, yours to keep. We never ask for your carrier login — you file everything yourself. See everything inside the kit →