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Although, some extended auto warranties cover breakdown due to wear and tear, most do not. Make sure your vehicle's water pump is covered under warranty by choosing an extended warranty with wear and tear and seals and gaskets coverage. There is currently no content classified with this term.
Unless you have insurance for your cell phone and it covers water damage, there probably is no point in sending it to the manufacturer with the hope that the warranty will cover the cost of a replacement. If you drop your cell phone in water, the warranty probably will be voided.