Regarding your situation in point #3, if your claim was of significant monetary value (I'm guessing $>2k) I think at that point I would have cited them some num

Regarding your situation in point #3, if your claim was of significant monetary value (I'm guessing $>2k) I think at that point I would have cited them some numbers from journal studies on take home tests showing sensitivity of such home tests as at least (78.9)[1] percent of a professionally administered PCR test and that by their actuary logic you should then at least receive at least 78.9% in return compensation of your total claim based on this data and if they otherwise refused a payout your follow up would be with a claims lawyer. I have no idea how that would play out but it seems like an interesting strategy to take. [1] https://pubmed.ncbi.nlm.nih.gov/34448871/ https://pubmed.ncbi.nlm.nih.gov/34448871/