I had a fire in october and my property was majority gutted.

One Electrical thing we thought we had saved was our laptop.

We had a company called Chemdry asses the laptop who confirmed it was fine but could be damaged at a later date by smoke and soot as it may take a while to corode.

After 2-3 months it started playing up and the screen would not open fully without the picture becoming all distorted.

We called our insurance company and advised them of the issue, They stated they would need to have it tested, i thought that was fair enough so we had it picked up by another company who tested and stated the damage was due to wear and tear. I queried this and requested a second opinion and that has also come back the same APPARENTLY.

Now the laptop in question was only just 12 months old when it started to play up and it was a top of the range Compaq so for it to break through wear and tear after 12 months i do not see as an acceptable reply.

Now when we ask the insurance to take a look at the original report where Chemdry stated soot and smoke could corode it in the future they refuse to and state Chemdry were not specialists in the testing og the goods.

So i asked the insurance why they use them as they had done to test various items including telly's worth 2000+

Where do we stand with there refusual to pay for the laptop ?

I feel as though they are fobbing us off becuase the rest of the claim was settled through replacement and cheque payment.