Hi there!
I relate, a few years ago I forgot that my then new iPhone was in my jean pocket, well, I put the jeans in the washing machine with the iPhone in the pocket- yikes!
So, while my iPhone was very clean, it was also pretty much dead! So, I went to a local tech shop, they were able to back up most of my things on the phone, thank God but I did need a new phone. I was with AT and T, I had Asurion, the wireless insurance who shipped me a new iPhone, but it was a dud, horrible! So I went to an Apple store and they gave me a new phone, yay, I was under warranty so it didn't cost me a penny, phew!
Since then I've switched to T-Mobile and I am paying off my iPhone 5S, and I have Jump from them, which is wireless insurance coverage.
Good luck!!!!