Tina’s phone was water damaged while on a cruise. Heavy rainfall during the wet season caused strong currents and rough seas. Tina was on the boat’s deck enjoying the scenery. She took her phone from her pocket and tried to take a photo, but her phone was dead. It had been damaged by the spray back from the waves that were hitting the side of the boat. She returned to the mainland and tried to get her phone repaired but it couldn’t be fixed. Tina contacted her travel insurer and they covered the cost of a replacement.