Well, I'm SOL. Carla from New Leaf called me today and pointed me to language in the Terms & Conditions where it's stated that items subjected to "immersion" are not covered. My drone was definitely immersed. So, beware that if your drone falls into water and is damaged or lost, it is not covered under the Adorama VIP360/New Leaf coverage. This has been a learning experience!
New Leaf protection plan through Adorama
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