Some thoughts. Apologies if any of this is overconfident, trivial or otherwise unhelpful.
"I didn't hear that" when people's low level processing fails to parse words someone said despite being perfectly able to receive the audio. not usually playing fool, in my experience
That’s why I appreciate a “hey” or some other initial phrase before someone starts speaking to me. It gets me ready to parse words. For some people I talk to if I start speaking without that, I’ll mostly get a “what did you say?”.
There is the risk that you are the lemon, and selling warranties can also turn into its own lemon market (Analogizing this to insurance markets with high levels of fraud).