Whether your phone was damaged *at all* or not, that would not make a difference concerning an insurance claim.
It doesn't matter what the condition of your phone is. If you are making an insurance claim, the dedudctible for the said device will be the same EVERY single time.

If you were confused and meant a WARRANTY exchange, then that's not something they'll do for signal issues, no carrier would, as no carrier guarantees your signal, or service in any location, including indoors. It's true that T-mobiles spectrum is not optimal for penetration, however, what the rep told you was 100% correct, with the refarming of the spectrum to 1700mhz LTE and 1900mhz HSPA+, in-building coverage based on the new spectrum is expected to increase 30%.

With this post, I am not being a T-troll, or a troll of any kind, I am presenting you the facts and the companies' policies. All of the information, besides the refarming info, is also available in the service contract, or terms and conditions, which you agreed to.

I'm really sorry this happened to you, but I don't understand why you would expect to make an insurance claim and get a free device, insurance never works that way which leads me to believe you have never placed an insurance clim before with any company.