Terrible Customer Service

I've been insured with King Price since 2015, I've got my car, household nad portable device insurance with them. So when i got a new phone last year i immediately contacted King Price to Insure the phone, i was told it covers theft and accidental damage, two weeks ago my phone fell in water and it was not charging and over heating more so the screen was not working properly, i contacted king price regarding an accidental damage, my phone was collected by courier and sent to the assesment center, they called me and asked what the issue was i said numerous times the screen is not working properly and the charging block was faulty and not charging properly, the phone was over heating as well, the phone was returned to me a week later citing no water damage on the assesment report the phone charges properly now and as per the report they done a thorough check of everything. the screen was the main issue and it was not checked, the phone is worse than when i sent it in the screen is still not working and is ghost touching, by opening apps and making calls on its own, it also flickers and freezes. i did one ofthose Standard Samsung tests each samsung mobile phone always you to do, it shows the screen is non responsive on some arrears and damaged. I advised King price again they maintain the assesors did everything and checked everything but why is the phones screen still not working?