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I see that a lot of the discussion on this relates to the legality of apple/AIG doing what they did. Not going to weigh in there, but just wanted to say Thanks for posting this. I don't really use AppleCare on most of my devices, and I do enable Find My, but wanted to say thanks for the heads up anyways. There are times when I need to turn it off (like sending in for a replacement, etc. It's good to know that turning it back on when I get the new one, is a requirement for coverage.

Glad you were not hurt in the fire, glad you were able to get your phone replaced under another policy, and glad that you shared your experience with others who might not even think about such a thing until it's too late.
You are very welcome.
 
Why are you simping for Apple and AIG?

Whether not it was turned on or not, it doesn’t impact if it got destroyed in a car crash.

The probability of iPhone getting destroyed is totally independent of it turned on or not.

I don’t feel like I am, just pointing out that that’s the terms and conditions and people should read those because Apple will abide by them.
 
Yup, says so in the medium print. Not hard to find.
Bummer if you lost out after paying for it. ☹️
 
That sucks double-time!
I interpret “theft and loss” as stolen or fell out of my pocket.
 
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