I have been a very happy 4S user for a little over a year, and last week downloaded the 7 with no problem, then noticed my flash was not working?Took it to my Verizon store they re set things and it worked . I took it home and no joy it would not work again. Called Apple they said it needed to be replaced after they checked it over the phone ? I took it to Verizon where I had purchased it. I also had purchased the total equip coverage. they said no problem they would replace it however there was a $185 dollar deductible charge! Now if I had dropped it it would be covered ?? What should I do here ? I am thinking even tho I take lots of pics I will just hold off till I qualify for a new phone in about 10 months. any ideas would be appreciated.