I submitted a claim for my lost phone in September month they declined it saying I took more than 72 hours to report it of which I reported my phone on the same day it got lost which was the 15

I submitted a claim for my lost phone in September month they declined it saying I took more than 72 hours to report it of which I reported my phone on the same day it got lost which was the 15. Now I have to go back and forth with that, I submitted a dispute bt no response.