Incompetent and false report sent to insurance companies

Incorrect assessment was given to the insurance company, On the 2 items that was removed from my house on the 22 of July 2021, this company has provided incorrect or falsified evidence that my items were due to ware and tear. They also advise that the element of my kettle was burnt and upon receiving feed back from outsurance I decided I was not satisfied. I then called outsurance who then advised that we can get a second quotation from another service provider of our choice which we did. The guys then tested the kettle and found that the base of the kettle was burnt due to power surge and the kettle was working as it was tested on another smeg base which worked fine. So then how did these guys come to a conclusion of the element being burnt on my kettle.

This s really appalling services rendered and false information supplied to outsurance, and insurance company are accepting this as well. Thus is a huge reputational risk for outsurance for dealing with companies like This.