Water damage is never covered. My daughter has dropped her cell phone in water. Here is what you can do to fix it yourself:
1. Take the phone appart, including the battery and sim card.
2. Get a plastic bag and put uncooked rice in it including the phone, battery and sim card.
3. Close it up and put it on top of the refrigerator for several days.
4. Test the phone after a few days. If it dosen't work, put it all back in the bag for another day or so.
The rice and the heat from on top of the refrigerator will absorb the water in the phone.
It has worked for my daughter in the past on several occasions and it was totally under water too.
Good luck.
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