Imagine yourself in this situation:
You're a woman who is trying to get pregnant. You take your phone to the bathroom with you, place it next to the sink, grab the cup that you pee in the dip your pregnancy tests, pee, then put the cup next to the sink. As you do so, the cup slips and your pee spills all over your phone.
What do you write on your insurance claim form about what damage occurred and how it happened?