Poor Service From Cellphone Insurance Company

I bought a cellphone 5 months ago and it just stopped working one day. I sent it in to the repairs. Two weeks after submitting my phoned - they phoned me asking questions pertaining to the damage of the phone. I told them there was no damage, the phone just switched off and stopped working. The woman I spoke to told me that there's nothing they can do because the phone was not damaged by falling or water. This is unacceptable service for an insurance company. The phone was only 5 moths old and there was no damage but now they have all these excuses as to why they cannot repair the cellphone.