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As a VZW rep, I'd say you're SOL if you tell a rep that it was dropped in the water. If they don't know, you could of course call, add total equipment protection, and then file a claim the next day. It's obviously not a moral decision, but nobody in their right mind is going to pay in the neighborhood of $600 for a new phone if they can get it for for the cost of the deductible.
Anybody telling you to take responsibility for this would do the same thing if they were faced with a $600 price tag for a new phone, so disregard their statements.
