Samsung SGH-E316 / SGH-E317

ok this is dumb but i just have to ask for help, my lady friend was taking a bath and she got some water on the phone, didnt submerge it in the water, just got some on there. now when she talks to people there is this nasty scratchy noise that goes on and off and when cant seem to fix it, now its probly obvious that it is because of the water but i was just wondering if there is anyway to fix it without getting her a new phone. would she be able to get insurance on the phone than turn it over as an insurance claim or something of the sort.any help would be greatly appreciated.

thanks, jarred