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Re: fraud?
Just file the claim...
In Future, anyone who accidentally gives their phone a bath I suggest trying this:
1 - Put the phone into a bag of Rice and leave it out in the sunlight.
2 - I always save those little packets of Silica gel (they say do not eat! LOL) that come with many electronic device packaging. Save them all and keep then in a plastic bag and use that instead of rice.
Both methods give you the best shot at saving a phone that went swimming!
But no guarantees...
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