Does Apple warranty not support water damage?

Good morning,

Is it true that Apple does not support water damage? I am Apple user for more than 10 years, and I never got my phone broken just because I used it with wet hands. Phone has not even been used under water because Im sceptic about water resistance even though Apple says they can be used under the water in certain circumstances, and they have ip68 etc... so i bought new iphone xs max, gave the money used it mibth or two and he just stopped working after i used it with wet hands, and place where i bought it refused to fix it sayibg that apple doesnt support this kind of issue. Please, can you advise and help me? Its really not fair to pay for repair for completely new phone which has been handled by all the rules all the time...

thank You in advance,

Nikolina G.

[Edited by Moderator]