So bad news, good news, bad news.
1. My iPhone is well and truly dead. It won't do anything when I try to turn it on. I'm not surprised, really. It spent at least 10 minutes in the washing machine under two feet of water.
2. Yes, I had ordered the total replacement insurance for it.
3. The deductible is $199USD.
Since the phone belongs to the company, and they gave it to me to use, it belongs to them. I broke it, I pay for the deductible to replace it. That's fair and square. I can't tell you how long I've had a cell phone except that it's a long time. Since probably 2000 or so, when I had a tiny flip phone. In all that time, I've never broken a phone, and I've had a flip phone, a Blackberry, a MS smartphone, an iPhone 4, iPhone 5s and now an iPhone 6s. Maybe I was due. Who knows.
An aside: my son works for Apple Care. Had I purchased the phone from Apple, and bought AppleCare (for $150) I could have got a replacement for $99. And I'm entitled to TWO replacements in 3 years. Food for thought, sports fans. (The insurance from the carrier is 9 bucks a month, and over three years that's $324. Like my son said, "that's too much.")
All day I've been using my old iPhone 5s. OMG, is it tiny. Now I couldn't use it for calls or sending or receiving email or texts without activating it (which I did not want to do until I knew for sure what I would do with the damaged one), but I could get alarms and basic stuff. At the end of the day what bugged me the most was the thing was so small and hard to read. So I calculated the $199 cost over a full year and determined that at 55 cents a day, the replacement was worth it. I figured, WTH, this is what a savings account is for.
So I filed a claim, forked over the $$$ and I should have a replacement later today or tomorrow.
Best news? I'm good at making sure I sync it regularly to iTunes, and all my photos from my phone automagically sync to my iPad. So I didn't lose any data or photos.
Life could be a whole lot worse.
PS Today is my dear DIL's birthday.