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I have insurance for my cell phone, and it broke. They denied my claim for $735 of coverage. They say that they denied me because I was claiming mechanical breakdown, which would be dealt with by the manufacturer warranty; however, the problem is due to fire or explosion, which they say is covered, as I can see that the battery port is charred. The problem is that the phone refuses to charge, and testing has determined that the phone itself is damaged or defective, and not the battery or the charger
What should my next steps be?