AppleCare Theft & Loss Claim Approved 20 Days Ago but No Replacement Phone Provided

I lost my iPhone 16 on 9/20/26. My claim was approved under my AppleCare Theft & Loss policy on 9/25/26 (through their partnership with AIG insurance). The email I received notifying me that my claim was approved stated that I would receive a tracking number for my replacement device in 1 - 2 business days. I have been diligently calling both AIG and AppleCare for updates, but, here I am 20 days post claim approval still without even a tracking number, much less a replacement phone. AIG tells me they approved me to receive an iPhone 17 instead as long as I was willing to take any color - which, of course, I am. AppleCare supervisor tells me that cannot be confirmed, but there are currently no phones available for me. In reading my AppleCare Theft & Loss policy, I see that domestic replacement is provided in 2-3 business days and international replacement is provided in 4 business days. So how am I still waiting at 20 days? Has anyone experienced this and can you help me understand? I feel like my theft and loss contract is worthless at this point. Also, if I am forced to purchase a phone, will the AppleCare Theft & Loss switch to the new phone and what will that do to my claim information?