I have three devices- a iphone 7 plus w 256gb, a SE w 64 gb and an iPad Pro 128gb.I have two phones, both iPhone 7, that are stuck on this when trying to do the update.
All w 10.2.1. Spectrum top tier wifi. All 3 devices hung on verifying update. After repeatedly hitting wake button, SE has completed install 10.3.1. I still can't get install to go OTA on iPhone 7. I've removed install file. Had to use vol down button and wake sleep button to do cold reboot to get use of phone. Something is screwy on this update or my Spectrum connection is screwed up. I do not have PC with iTunes. My laptop is running xp pro. Apple Store is 20 miles from my home. I am just glad I could unfreeze phone and pad using cold reboot. I really thought I had a bricked 1000 buck phone. Whatever is wrong I've installed updates OTA from 10.0 up on iPhone never an issue. SE from 9.0 pad from 9 never issues until 10.3