So, this weekend we were at a family member's house for their son's first birthday party. They have a swimming pool and DD (3yo) was in her suit and sitting on the side of the pool with inflatable floaties on her arms (we don't use these and DH despises them but my family all use them). I was inside nursing DS so I did not witness this but apparently DD fell into the pool and started to panic. My 7yo nephew was in the water and nearby but didn't move fast enough so DH jumped in and grabbed DD. DD is fine but DH was fully clothed including his new cell phone in his pocket. We took the phone apart and put it into a bag of rice for two days but unfortunately it is dead. Now we have to replace the phone and are trying to decide who should pay.

Some friends suggested having my cousin claim it under her homeowner's policy but I'm worried about what kind of tension this might cause. Partly because the birthday boy has medical problems and they are currently in the hospital with him having just had surgery and swimming was at your own risk.