Horrible, Horrible Service

I have been without a fridge since the KZN floods as it got damaged with the on and off power surges...a lot of my neighbour's appliances were damaged by this. My fridge is covered under household insurance at Hollard for a few years now. I have just received an e-mail rejecting my claim stating that its wear and tear.I have been paying them monthly so I can be covered in cases of emergency..and this is the response I get when I need them the most...I am very dissapointed and would never recommend Hollard products to anyone because they don't care