Originally Posted by Idunno
At some point (it may be weeks or even months after you send your phone back after it is replaced) it will be inspected, most likely by a fairly knowledgeable early to mid 20's college student who fixes phones as a part time job... had a friend that did it for years. When they discover that your phone is anything but stock, they will immediately conclude that you a.) violated your terms of service by unlocking/rooting/installing custom firmware, and b.) any and all problems with your phone are the result of you (the end user) tampering with it when you were specifically told not to. The end result being that your phone is not covered for that claim, and you now get to pay full retail price for your replacement phone (or if its a refurb, the cost of the refurb).
The only way for them to not know that your phone was tampered with is if it is made non-operational, or is completely restored to stock. But chances are if you brick your phone and make an insurance claim they will find out, unless you are really good at CYA.
our claim policy does not work like that, if its an insurance claim that means its lost/ damaged (physically) / or stolen in which case we don't care if its rooted (rooted only affects MANUFACTURERS warranty which isn't through us anyway). if you make a claim we pass you along to asurion, our insurance company, who gets a replacement phone at your doorstep THE NEXT DAY (if claim was made before 9pm) then you ship your broken phone back to them. root on your phone doesn't stop this process or do anything to slow it down as it is not even checked....
as i said before if you're rooted the ONLY thing you need to be aware of is your MANUFACTURER warranty is void... and that again is through the manufacturer and NOT us (Verizon) so if you're rooted and have TEC or TMP don't worry everything still operates normally unless its a software problem, in which case unrooting your phone or going stock usually fixes the problem anyway.
happy rooting and STOP WORRYING