Complaint not satisfied

I reported my damage items due to power failure happened on the 15th March 2021. Apparently the electricity went off while i was not home and not aware. It went off from 16h00 - 18h30 and When i came back after 19h00 the power was not yet back and it came later just before 20h00. Then the washing which was on the machine wasnt done as the machine was disturbed by the power failure and i had to re do off which it was spilling water. My microwave was totally off. I reported the incident to my insurance. I was told that only the machine was replaced and not the microwave. I was informed that the damaged caused on the microwave is because its the damaged caused by use...unfortunately i did not use the microwave. I am very disappointed with my insurance company