Grave disappointment

I have recently logged a claim for my fridge that does not work. It has water coming out the bottom, there is a sound coming from it and it is not cold and does not freeze. I called miway and logged a claim and they say they do not cover wear and tear. How was I supposed to know that the gas In fridge was done when it was still cold. I called miway and when the assessor came he said the gas is finished and it was now working on the oil what what. How was I supposed to know that all that was happening with my fridge and you call me to tell me you willnot cover after being your client since 2012. I had a house break in last month and I did not send the ******s to come and point us with guns and take everything and now your refusing my claim because of that. Next time please tell the person wanting to join that at your worst time mam when you claim for everything after the other at no act of yours we will not cover. This is all bull**** I tell you and I'm gravely disappointed. I always hear people complain about insurance and I always refer them to miway but it's because I had never claimed.