I go to the Verizon store and explain. "My wife dropped her phone in the tub, and it got wet. So I need to buy a new one."
Robert The Verizon Guy says that we can't replace it because the warranty doesn't cover water damage.
"I understand that. But I still need to buy a new phone."
"Well, sir, she's eligible for a new phone in July. You can get one for free then."
"I know, but we can't wait until July. We need a new phone NOW. I'd like to buy this same model, if I may."
"Sorry, but like I said, we cannot replace the phone under warranty. Water damage voids it."
The dude wasn't getting it, so I asked for a manager. Why can't we buy a new phone if we accidentally ruin the old one?????
The manager was HAPPY to sell me a new phone, and he therefore got the commission. Too bad that "Robert" didn't. Thanks to the awesome manager, my wife has a phone again. (She'll be more careful with this one.) I am glad that he, at least, understands the importance of good customer service. I never did learn why Robert didn't want to sell us a new phone, but it doesn't matter now.