FRIDGE CLAIM

On the 8th of January I came back from holiday, and found that my electricity tripped at my house due to blackouts. My fridge was off, and all the food was rotten, with worms coming out of it. I tried everything but the smell will not go away. I reported this to the insurance and put in a claim. I got in an assessor which said that the fridge could not be used for human consumption storage again. The INSURANCE let me know that the address I gave was not on record. I wrote a letter stating that I am currently going through a divorce and moved into this new premises in December 2015. I did phone, on the 24th, but they were closed, and I then thought that they are closed for the holidays. Before I could let them know, I found out about the fridge, but I have moved to a more secure security complex. then they told me that I had to give them a list of all my household inventory, which I did. Now nearly one month later I have still no answer, no fridge, and am told that the case is with Zurich management to decide whether they will allow me to get a new fridge. I feel this is unfair, I am still paying insurance, and the house is more safe.