There are some clues when your fridge is having trouble coping. If the motor stays on most of the time, or if your milk, cottage cheese, meat (particularly mincemeat) or other perishables are going off quicker than they should, then this is a sign that your fridge is struggling and needs maintenance and/or adjustment

If you lose power while you stored food in Fridge and Freezer

When there is a power outage you need to take extra measures to reduce the risk of food-related illness. It is important to record the time the power went off. When a power cut is ongoing (that is, it lasts for more than 4 hours and there is no immediate likelihood of reconnection) food safety becomes an important issue.

Unless cold storage is available within 2 hours of a power cut, all potentially hazardous foods such as meat, poultry, seafood and ready-to-eat perishable food) that are stored in refrigerators or chillers need to be:

• placed in alternative cold storage, for example coolers with ice or ice bricks, or into the fridges of family and friend’s
• eaten immediately
• if you have a fridge thermometer and have recorded the time the power went off, eaten immediately or thrown away if the temperature rises to above 5 degrees for over 2 hours
• if you don’t have a fridge thermometer and another cold storage area is not immediately available after 2 hours.

Time and temperature are the most important measurements used to determine whether food needs to be regarded as potentially unsafe when the power goes off. However most home insurance companies give a refund   the cost of spoiled items stored in fridge or freezer due to power goes off. Check with your insurance company how to claim it. May be you need to take the photos of  spoiled items , details and  time of power cut etc.