Samsung z3 fold screen

I bought a samsung z3 fold December 2021. Exacrlt a year later the internal screen has a black line going down the middle and only 1 side of the screen works. I went to samsung clearwater, was told I was supose tontake out screen insurance when i recieved the phone. Was told its a free service then on asking if its free is it not a warranty the lady said no its not. This a a chwap move by samsung, who would refuse free insurance?... im absolutely disgusted by their response as they were well aware this factory fault already existed and not they are passing rhe buck.