***** reports

I took out the household content insurance with Auto and General. My double door fridge was damaged by constant electricity cable theft in our area. I hired an electrician and tried to fix it but failed. Then I remembered that I have an insurance that is covering that. I lodged a claim with the company. They send out their assessor and gave the completely wrong/ incorrect report. They sent another assessor who said the PC board was modified and hence its a wear and tear that is an exclusion. My query was that why are the two reports different from each other. How can I trust them.