I also STRONGLY discourage insurance fraud. Try the dissemble and clean, and try the rice trick, that is, turn off the phone (it should be LEFT off from now until you deal with it), and place it in a bag of uncooked rice to draw out the moisture. Wait a couple days.
Just wait until your screen dries out underneath and you cant see it anymore. Then call into care and tell them your phone stopped working. They'll ship out a refurb for you (if available) but make sure you can not SEE any moisture type anything on the front of your phone and make sure your stickers arent turned
I spilled water on my storm 2 days ago and the screen stopped working. I took it home, took the battery out and put the storm in rice. The next morning it worked although the screen was a little "cloudy" looking. Today the screen is almost back to normal.