Bricked Android Device and Phone Insurance Coverage: Is It Covered?

Updated: Feb 14, 2024 10:45 AM
what to do if your phone gets bricked and you have insurance guide

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There are a number of ways in which a smartphone can become bricked. Here are some tips so you can figure out if your phone is bricked and what to do if it is.

Key Takeaways_

  • Most carrier-affiliated insurance plans cover bricked phones.
  • Manufacturer warranties may or may not cover bricking.
  • Check if mechanical failure is covered before you file a claim.
  • It can be helpful to take the broken device to a repair shop for data recovery.

Types of Bricking

When a mobile device stops working without obvious physical damage, it usually means either a software fault is preventing the device from booting up, or else there is hardware damage or a defect such as a faulty logic board. It is important to note that the manufacturer’s warranty will only cover certain aspects of the phone, there for you should get insurance to be fully covered if something goes wrong. So if you are wondering what mobile phone insurance is. A smartphone insurance plan may help, but let’s first look at the types of bricking.

STAT: The average lifespan of a smartphone in the US is around 2 years. (source)

Hard Bricking

If a device is hard bricked, it does not power on or show any manufacturer logo on the screen. Causes of hard bricking include corrupted firmware, an interrupted or improper flashing procedure, and, more rarely, a malicious software attack. A “hard-bricked” mobile phone or other device is more difficult to recover and may require using external interface systems. If your phone is hard bricked and you have insurance, look to see if your coverage includes mechanical defects. This could even mean home insurance covers cell phones.

Soft Bricking

Soft bricking means the device shows some lifelike it will begin to power on and show a company logo, or the screen may light up, but it won’t boot successfully. This can occur due to errors in software updating, installing incompatible software, a data security measure such as the iOS “Activation Lock” feature, or sometimes because of discontinued manufacturer support or expired security certificates. A device may also be soft-bricked on purpose, such as the case with the Samsung Galaxy Note7. It should be noted that Jailbreaking can cause your phone to soft brick but can usually be resolved with a system reset. Additionally, you should know that jailbreaking can void your insurance.

Recovery vs. Replacement

In the case of a soft-bricked phone, it may be possible to recover and unbrick the phone yourself or through a retailer or independent service provider. Often, if you can connect the phone to your PC or laptop via a USB port, you can reinstall the operating system and reset the device settings. Check to make sure you have backed up or performed data recovery before taking this step, as it may wipe any data on the phone’s internal storage.

STAT: Malware infection reached over 800 million devices globally as of 2018. (source)

If you have a hard-bricked phone, however, you may find it worthwhile to try and get a new phone through insurance rather than paying for a complicated recovery attempt that may or may not work.

What to Do Before Filing an Insurance Claim

When you go to file an insurance claim for a bricked device, the first step in the claims process is to check and see if mechanical defects or damage is covered. If so, you should be able to file a successful mobile phone insurance claim for your bricked phone, even if you suspect the malfunction is due to a cyber-attack or malware. Depending on the policy, it may be easier to get a replacement device if there is water damage or other physical damage.

Document the Problem

Insurance carriers may differ on how they define mechanical defects and damage. If you aren’t sure, it’s best to get some documentation from an authorized repair provider. Most mobile insurance plans cover irreparable damages from drops and spills, as well as defects that make the phone unusable. In general, they don’t cover issues such as poor device performance after OS upgrades.

STAT: 37% of mobile phones have physical damage insurance as of 2020 (source)

Data Recovery

While data recovery may not be covered by insurance, it’s often a useful and necessary step when dealing with a bricked mobile phone. Especially if your device is soft bricked or if you suspect the cause of the bricking is a cyber incident, you may want to take the mobile phone to an authorized repair shop or cybersecurity and data recovery specialist. You’ll want to make sure that your cloud data is accessible and secure and that any malicious software on the bricked device isn’t posing a security threat to personal information, passwords, and other data you may have on the cloud. This minimizes security risks to your other electronic devices.

Bricked Android Device and Phone Insurance Coverage: Is It Covered? Questions (FAQ)

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