My iPhone 5 has recently developed a screen fault: a line going from the bottom left to the top right with other lines and / or a mold-like pattern (the photos don't exactly convey the full effect).
The weird thing is that it is not permanent - it comes and goes (although the diagonal line always stays, it just varies in intensity).
Unless it's a symptom of a very strange cause, I'm fairly sure that this isn't software-based.
I'm very careful with my phone so, as far as I can remember, the device hasn't suffered any physical or water damage.
I do have insurance but I'd just like to know what people think so I know exactly what to claim on.