My daughter's Dinc2 got wet during a rainstrom. The phone died despite placing it in a bag of rice. I called Asurion to get a replacement. I was told I was being denied a replacement because the device was not insured. I was shocked to hear this, as I have insurance on all 4 devices in our household (so I thought). Asurion said no and sent me on my way. I then call Verizon. The Verizon rep confirmed the device was not insured. According to her notes, I declined insurance when I opened the line for my daughter. I tried to argue, asking her why I would decline this policy, while having policies for the other 3 devices. She was cordial, but said there was nothing she can do. She then suggested I use an upgrade, but I refused. She also suggested I go to the store I purchased the device (corporate), as their notes may be more detailed than hers. I don't know how that is possible, but whatever. My question is, if you decline insurance, doesn't Verizon require a signature stating you refused to take out a policy? If so, can't I demand to see where I signed off on not taking this policy? Thanks.