According to a new survey, this is the most dangerous time of year . . . for your cell phone. More people lose or damage their phone in July than any other month of the year.  And June and August are a close second and third. July Fourth is one of the hardest days of the year on cell phones.  Claims for lost or damaged phones go up by 50% right after the Fourth. Water damage is the biggest threat to your phone during the summer.  That's probably because 72% of people use their phones to listen to music at the pool or the beach.  And 30% of people also use their phones to take vacation photos . . . so you risk losing your phone in a strange place.