I am from New Orleans, Louisiana and as a result of hurricane I am now in San Antonio, TX. From what I hear, my house didn't get any flood water and faired the storm with only minor damage (blown in upstairs french doors, loss shed and carport roof). I will try to return next week, but because the power was out for over a week, I know the food in the refrigerator and freezer is spoiled and the odor in the box must be horrible. That odor is my main concern because, I fear, I may not be able to remove it from the insulation and lining that a disinfectant can reach. Do I have a legal argument that would force the insurance company, which is USAA here in San Antonio, to replace, not just the contents of the refrigerator, but the entire unit? If so what would I cite? Thank you.