Imagine, a 14-year-old girl lying to her parents.
I don’t think she was lying. The phone and cord probably were outside the tub. They don’t think the phone was ever in the water - they think she was electrocuted when she touched the frayed cord. Heck - she could have even been standing on the floor with wet feet and damp hands in the humid bathroom and just unplugging her phone from the extension cord and could have gotten zapped. (Hmm- or the frayed part of the cord was resting on the humid tile floor - she gets out of the tub - puts her wet foot on the tile - bang.)
I wonder if that might have happened - she has the connection on a towel - I would assume to keep the connection off the damp tile. So it seems she may have thought she was being careful.
I recall back in high school our physic’s teacher talking about not touching the light or fan switch after getting out of the shower due to the rare chance of enough dust and humidity to allow the electricity to travel up the light switch to your finger.