Had a successful claim recently. Water damage to iPhone 6 w/ ATT service. Used the damage report form they sent me (Apple store filled it out). I was reimbursed for the "replacement cost" ($299) minus the $100 deductible, so received $199. I opted to purchase a newer model (and more expensive) phone. I will say that the claim sat there for over a month with no response until I inquired. Then resolved in a few days. Overall a good experience.