I dropped my phone in the ocean while on vacation, everything still works flawlessly, except for... the PHONE, haha. I can't make or receive calls. I have paid Verizon's insurance for years and never gotten anything out of it, so I don't feel bad taking the battery out and going into the store and saying it was 'lost.' Is this the best approach, or will my Asurion cover water damage? Either way... I'm still going to pay the ridiculous $100 fee, so it really isn't much of insurance. Thanks!