DAMAGE TO MY I7 HP LAPTOP

LIQUID (RASCAL JUICE) WAS SPILLED BY ACCIDENT ON LAPTOP. WE PUT A CLAIM INTO OUTSURANCE, THEY SEND OUT THE ASSESSOR FOR PIETERMARITZBURG AREA. HE TOOK PHOTOS AND THEN HE LEFT WITH THE LAPTOP AND CHARGER. WITHIN PLUS MINUS 3 HOURS WE GOT A CALL FOR ASSESSOR ASKING WHY KEYBOARD IS NOT PLUGGED IN. WHEN LIQUID DAMAGE HAPPENED WIFE WAS USING HER LAPTOP SO DONT KNOW HOW ASSESSOR COULD SAY IT WAS NOT PLUGGED IN. NEXT DAY ASSESSOR SAID THERE IS NO LIQUID DAMAGE AND WE DAMAGED THE LAPTOP OURSELFS AND IT WAS NEVER WORKING. OUTSURANCE DECLAINED TO PAY OUT DUE TO REPORT FROM ASSESSOR. GOT MY I7 HP LAPTOP BACK TODAY THE SCREAN WONT OPEN PROPERLY BECAUSE ITS BROKEN ON THE LEFT HAND SIDE CORNER. PHONED OUTSURANCE VERY UPSET BECAUSE THATS NOT THE STATE THEY TOOK LAPTOP AWAY IN. THEN GETS A PHONE CALL FROM ASSESSOR TELLING US WE BROKE IT AND HE WOULD NOT PAY OUT WE HAVE TO HANDLE IT WITH OUTSURANCE. WHERE IS THE FARENESS IN LIFE. YOU PAY ALOT FOR WHAT YOU OWN AND ALSO TO INSURE IT BUT WHEN TIME COMES FOR INSURANCE TO PAY OUT THEY FIND EXCUSSES AND DAMAGE YOUR PROPERTY.