How do I unlock Find My iPhone to file a claim with Asurion?

Guessing that you have theft and loss insurance with Asurion, correct?

And, guessing that the phone is lost or stolen, correct?

Guessing that the phone does not appear when you try to locate it using Find My, correct?

Who/what is Asurion and what claim are you referring to? We are not mind readers here. Is your iPhone locked? Did you forget your password? Please explain fully.