Dissatisfied with TV claim

My 55" Telefunken Plasma TV stopped working, the claims process was effortless and feedback was adequate, the problem arose with the evaluation and pay-out of the TV, the evaluation was completed using one of the cheaper TV brands on the market, Hisense, the reason for the failure was noted as 'power surge and dips" at no time was the TV inspected by any technician so the failure cause was an assumption, when I queried the amount I would receive after the excess was deducted (which is 39% of the pay-out offered) I was informed that the reason I suspected for the failure "age and wear" I was informed that in that case the TV would not be paid out because the TV is not covered by "wear" I could have been dishonest and said the TV fell off the stand and claimed physical damage in which the excess amount would probably have been 23% of the pay-out amount, this was by the way my first claim in seven years!