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I like the first bit of advice. Tell your insurer. Not sure why you'd tell your insurer and then go ahead and try and fix it yourself. Kinda contradictory if you ask me. Why not tell the insurer and... ...let them sort the mess out. Oh, and ditch the PM while you're at it...

But first, you have to put it all in writing to the PM. That you have NOT authorised them to waive their electricity bills, nor act on your behalf in this situation. The second bit is the most important. You have to make it clear that you were NOT consulted over this, or even told about the...