Wirelessly posted (Mozilla/5.0 (iPod; U; CPU iPhone OS 4_1 like Mac OS X; en-us) AppleWebKit/532.9 (KHTML, like Gecko) Version/4.0.5 Mobile/8B117 Safari/6531.22.7)
1) Ring Apple.
2) When get say: " Are any of you possessions, apart from the charger, damaged."
3) Reply "Yes, my £20,000 table and chair."
4) Self inflict damage on objects, so, when the Apple representative comes, he'll see the damage.
5) Get £20,000, for a table and chair that cost £150.
But, seriously that should't happen, even if you did leave it on all day without an iPad in it; unless the charger became hot and water droplets appeared on the exposed connector.