I have had that happen twice to my customers even though i tell everyone of them NOT to use fram filters. the first one I filled out the forms and sent the filter in.[ BIG MISTAKE] same results as you,they wouldn't cover it and they had the filter [evidence] the second time i photographed the filter and engine damage and sent the pictures in but NOT the filter.guess what,there insurance company called me within a week,came and inspected the filter and engine and payed for the damage 100% within two weeks.I have since told several other racers who had the same problem not to send the filter in and they all have been payed Bill