Unhappy and disappointed client

I am so dissapointed at the service i recieved from Dabson at OUTsurance. I had a power failure on and off for three days and when the power finally came back it was too low and all my electronic items were not working. Being a woman in distress I asked my service provider to look at the items for me as this had impacted all of my electornic items, i was told by my service provider that the items were assessed and they were fine and it seemed i had what is called a power dip hence all the items were not working to their full capacity. Now that service provider is charging me and inspection fee and delivery and collection fee and i am being told by my insurer OUTsurance on email that i must pay this amount and that this fee is not their problem, my question is had outsurance used their own service porvider wouldn't they have paid them. I am so dissapointed as i now had to pay this amount or have the service provider take my electronics. He did not even have the decency to call me and advise. He just sent me an email with just " we did not authorise this so we won't pay"