Bad Service whereby you not assisted accordingly

I very disappointed with Dotsure always gave them praise to friends and family. I put in claim 25th March for my fridge with blow up due to a power outage. Called them claim logged NY***05***2. Accessor was here done the checks filed the reports.Dotsure advised they will replace the Fridge. Asked for additional info provided. As I anaylised the policy I notice section for electrical equipment and surge does not correspond with the insurance was paying. I questioned the claims consultant was told that the Fridge does not fall under electrical equipment. I asked please advise where does it indicate this on the policy. Also questioned the surge charge additional. I send a email st 10.30 call again st 11.00 left message and still not response. I am stranded without a Fridgr, through these hot humid days in Durban. Putting myself in expense to purchase stuff daily. Because I was confused and asked for clarity I getting not feedback. It's sad stressful and frustrating.