Just to update everyone on my battle with Squaretrade. They finally refunded me my full purchase price this week. It took nearly a month, but was obviously worth it in the end. DO NOT LET THEM TELL YOU THE WHITE SPOTS ARE PHYSICAL DAMAGE AND THAT THEY DON'T NEED TO EVEN SEND SOMEONE TO LOOK AT IT! Insist on talking to someone above the person who tries to tell you that until they finally agree to send out a tech to confirm that it is not physical damage. After that, they then tried swapping out 2 boards, which of course did not fix the problem. They then tried to source a new panel (which are not available) before finally agreeing to just pay me, which is what I told them they'd end up doing all along. Just got a 65 Samsung H7150 and loving it!