6 month old note 9 microphone has stopped working

[Themagicone]

My 6 month old note 9 has an issue with the microphone. I can't make calls unless I'm on my bluetooth headphone or car. Sound recording doesn't work either. 

Tmobile won't warranty it because my camera glass has a small crack in it. 

Am I out a very expensive device? I have the insurance but the deductible is like 300 bucks which I don't have right now. 

[BandOfBrothers]

Unfortunately due to the damage to the camera lens they would possibly contribute the current issue to a drop. i.e. user caused. 

I appreciate from your viewpoint this wouldn't be the case and two separate issues. 

Also they'd probably need to get into the phone to test its internals which currently the cracked lens would cause an issue and wouldn't probably withstand the procedure hence it would be a chargeable repair.

In the UK some people have standalone phone insurance or like me have household insurance that covers phones. Some bank accounts cover phones too as a perk of the account.

T&C's and excess fees would apply.