If you didn't know Asurion is NOT a branch of Microsoft. Its a 3rd party insurance company. Check your policy to see if you agreed to allowing them to substitute and what are the limitations. I suspect they have to offer you a replacement that has the same price (or higher) now as the insured phone cost you when you purchased it. So unless you payed less for your 1520 than a 1320 costs now they owe you something better. If there is literally no Windows Phone available for the same or more than you paid for the 1520, maybe they will just pay you a fair value for a used 1520.
Thanks for letting me know Asurion isn't a part of MS, I HAD NO CLUE.
The point is that since no phone of near quality/value has been replaced they can't offer me anything, THAT IS MICROSOFTS fault 100%.
I have spent many hours the last few days talking with ATT + Asurion and they all say there is nothing more they can do if I want to stay on windows phone because there is no option that is equal to the 1520.
All they say is I I can find one in a ATT store and pay full retail they will refund minus deductible and ATT can't find a store with one, eBay isn't allowed by asurion their corporate rep told me over phone
I paid full retail for 1520, no other lower grade WP is acceptable.
I Should just hold out til 950 drops and then demand that as replacement, but that could be next year or get cancelled like McLaren I can't have faith in MS anymore
No point in having insurance when they wont support the phone.
You wreck a Tesla and the insurance only wants to give you value of a Hyundai Elantra you wouldn't be happy either.