The free checker
Three questions decide every phone insurance claim — what will I owe, how long do I have, and why did they say no — and no carrier or administrator publishes the answers in one place. This checker computes them from the published plan terms: the tier tables, the 90-day and 60-day filing windows, the claim limits per plan, and the eight denial reasons customers actually receive. If the honest answer is "don't file," it says that too.
Pick your carrier, your plan, and what happened. No login, no account details, no IMEI, nothing uploaded — the checker runs on this page, in your browser.
We never ask for your carrier login, your password, or your phone's IMEI — not here, not anywhere. Anyone who does, while offering to "help" with a claim, is running the scam this site warns about.
How to read the verdict: Repair route means your cheapest correct move is the $0 screen-repair path — ask for it by name. File it right means the claim is winnable on the terms if the first call is clean. Bad deal means the deductible meets or beats the phone's value — the checker will not dress that up. Limit reached and Window closed are exactly what they sound like, with the real remainder spelled out. A verdict is this site's honest read of the published terms against your facts — not a promise about the administrator's decision.
The deductible tables are the administrators' own published figures: AT&T's legal terms price replacement deductibles by device tier ($25–$400); Verizon's damage replacement is a flat $99 under its published rule, with loss/theft on a device schedule ($19–$279); filing windows come from the plan terms (90 days Verizon; 60 days for AT&T loss/theft). Where a figure rests on comparison reporting instead of an official schedule — the Verizon flagship loss/theft point, T-Mobile's Protection 360 fees — the result flags it as a secondary source. Where our research could not verify a cell at all (T-Mobile's filing window; AT&T's damage-claim window), the checker says "your documents control" rather than inventing a number. That discipline is the product.
The working papers for the fight itself — the trap map, the decoder, the complaint packs — live in the kit. See everything inside the $39 PhoneClaimDecoded Kit →