There too frequently are RMA issues with vendors, without even dealing with electrical overload. As Nayr said, what you have is not a manufacturing issue. Between tech support hold time, going through tier one outsourced troubleshooting before getting the rma authorization, packing up the thing, paying for shipping, waiting 1-2weeks for replacement, ... it takes a fair bit of investment.
I've had stuff returned to me unrepaired or with other issues than what I sent it in for. One time I did three RMAs back to back on one a laptop; three week turnaround, issue was solely incompetent techs, as I could fix it myself, but would lose warranty, ... then declared a lemon, got pro-rated 2/3 of price back.
So anyway, I was just genuinely wishing you good luck with the rma.
As far as insurance claim. One has to value a claim on the insurance policy vs going through the process, cost of replaced materials, cost of deductible. We have a high deductible as well. I scratch my heaed when I hear a neighbors say they'll get the insurance involved for something that's 500 bucks. One time somebody drove into a neighbor's dry stacked stone wall that was a bit ramshackle to begin with ... I'm going to make a claim and get the insurance to fix this. (two hours of restacking at the most and it is fixed) Better save the two allowed claims for something more important.
Anyway. It sucks to lose a bunch of stuff. (I lost my sprinkler system in FL last year due to a nearby strike, haven't replaced it yet) Besides the things nayr proposed to isolate external stuff you wire up, it may also be wothwhile to look at professional surge arresting, if lightning is common in your area, or if you live somewhere exposed like the farmhouse on top of the hill ype thing, ... Spikes on the roof, whole house surge arrestor.