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Bugger, Bugger, Bugger!
I would suggest talking to the manufacturer and seeing whether they can verify in writing if this is something that is possible to do accidentally and therefore back up your claim of the tightening of the screws/thermal expansion etc. Even a repair order/quote explaining what happened might be enough to justify to the insurance company that it is something that isnt listed in the manual and not something to be wary of in the normal wear and tear use of a telescope, certainly it seems its news to most of us here.
I had a tinkle tinkle crack issue with my secondary mirror on my newt as the instructions werent clear on how to correctly adjust the mirror position and the manufacturer explained that it was fairly common and they were changing the instructions to become less ambiguous. In this case ($20 mirror) they replaced it for free, but perhaps a bit of "mate, this is not something that should happend to a quality scope, and I am sure that you can understand the implications of design flaw, so can you help me out with a report for the insurance?"
Nothing wrong with this scenario, all truthful and above board and well within your consumer rights to request.
I hope you can get somewhere with this and it helps you get back to the skies soon.
Cheers
Chris
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