This is a cellphone insurance/ warranty fraud issue that is perpetrated by EVERY cellular carrier for the strict purpose of not honoring insurance claims. This isn't an Apple issue at all - even though Apple is stuck having to follow the policy.
Last week, my daughter's Samsung Blackjack II stopped charging. I took it into the AT&T store and asked that the $4.99 per month insurance cover the issue ... the salesperson took the battery cover off of the phone and said, "Oopsy the liquid sensor has been tripped, you'll have to pay the deductible." The deductible is $50.00. That makes the total cost of this phone in the 6 moths she's had it $684.20 (unsubsidized).
This isn't the first Samsung (or other cell phone) that I've had this happen ...
In March, I wanted to switch my wife from Verizon to an iPhone on AT&T under my account. She had a nice Samsung Alias phone that was in pretty good condition. I had a number of extra chargers and a Samsung branded bluetooth headset for it. Expecting to get $100.00 + for it and use the money towards the iPhone purchase, I took it to a local "Buy/Sell/Trade/Repair Cellphone Shop" called Hybrid Wireless in Greenville, South Carolina. The first thing they said was, "We can't take this, the water sensor has been tripped." - with the cap on, he pointed with a sharpie marker showing me a tiny sticker just above the battery that he said was suppose to be solid white. Instead, it had little pink crosses on it.
I've had two other cellphones with AT&T; a Nokia flip phone and an HP Smartphone. I never dropped either of them in water, never had them in the shower or in a steamy locker room ... just maybe a normal humid day in South Carolina ... EVERY day! Both stickers were pink inside these phones too - dramatically reducing their value for resale and voiding their warranties.