Some time back, I had someone house-sit my place. The plug to the freezer, in the garage, was right next to the garage light. The house-sitter turned both switches off, and I lost everything in my freezer. When I got home, I contacted State Insurance and they just told me to list all the food that was in there, with costs. (Besides photos of the mess, I cut all the supermarket price tags off as proof) and I was compensated for the loss. No trouble at all and the staff couldn't have been more helpful and understanding.
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