claim not met!

my claim was not approved apparently because it wasn't accidental damage. I don't follow because my device started heating up while in the charger and that to me is an accidental damage because if i had known it would heat up i wouldn't have plugged it in. My phone fell once and the screen broke but i didn't claim because part of the screen was still working and i could live with that. I was asked to take it in for assessments at apple/we fix and that is to my expense i don't understand why is that because i am paying for these unexpected incidents i find this really unprofessional.