Looks like they were looking for visible burns. Complete rubbish. Electronic equipment not always burns from power surge, just stop working. And they would have to prove it is a known issue - means - if it is a "known issue" they would certainly know how to fix it.Fridge repair company said they couldn't find anything wrong. And if it is the known issue why would insurance cover it? Has nothing to do with the power surge. It's just a coincidence.
False insurance is like false security - you have no insurance at all.