Assurant Solutions They denied my claim because it didn't fall within 90 days after my phone was repaired. New York New York

I was given a new cell phone from my mother for my birthday in 2013. It was a nice gift and it had features that made the phone perfect for me. It was waterproof up to 3 meters and 30 minutes. I live in Seattle and since it rains every day that sounded wonderful. The phone is garbage. I called the insurance company and was told I had to mail the phone to the manufacturer because it is less than a year old. l sent the phone in to them and got it back in a month and a half. Lovely that the manufacturer takes that long to fix it. So when it started doing the same thing. I again contact the manufacturer...they again take a month and a half to fix it. 

So I waited until the year was up...and the phone was no longer under their warranty and I call Assurant to file a claim on this phone.

They basically told me that I could stuff it since my phone broke and I waited until the warranty was up before calling them. I told them why I waited but they told me they had already heard that from me and I didn't need to say that anyore. They told me I had to pick a date that it broke and would not accept since I first got the phone. I gave them a date that was somewhere near the time I got it back from the manufacturer the 2nd time. I was eventually told that you have to contact them 90 days from the day you get it back from the manufacturer after being repaired? I asked them why did I pay them for insurance if I had to get it fixed within 90 days of having it? 

Here is the thing - according to the paperwork you fill out on the monthly insurance rate. It doesn't matter if you drop it (I didn't) if you submerge it in water (my phone is waterproof but I still didn't) - you get a replacement phone.

But in reality - 90 days is all you are covered for. If you have the phone more than 90 days and you try to file a claim on it? they deny you. I told them that the insurance on this phone could be canceled. And was told that I could do what I wanted they were not paying my claim. I told them I have their insurance on a total of 4 phones and they all could be stopped. If that's what you want then you go ahead and do that ma'am. They told me all of this until I told them I was recording the call. Then they were nicer.