Re: water damage
Well, it's better to get a new phone now. If any water did get in, it may seem fine, but in a few months the corrosion will get worse and you're phone could just stop working.
If you don't want to say you lost it [DO NOT SAY STOLEN because you have to file a police report], you could take your chance and say the screen has been acting weird [ever since it's been cold outside].
If you don't mind saying it was lost, just remember you can't make another claim within 6 months, and you have to pay $50
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