This is a simplified version of something that happened to me.
You buy an expensive radio-controlled model airplane - it costs $500. This particular model comes as a kit and includes all the electronics and parts needed to build the plane.
You are flying the plane one day when you suddenly seem to lose control. The plane dives towards the ground. At the last moment, you regain control and manage to avoid destroying the plane. You assume that an electronic problem caused the loss of control, but after checking the connections and operations of all components on the ground, you cannot find anything wrong. Puzzled, you attribute the loss of control to gusty winds and your inexperience in operating this high-performance model, and continue flying it with no problems.
A month or so later, you crash the airplane by attempting a stupid stunt in front of your friends. Repairing it will cost about $200.
While researching what parts you will need to order to repair the plane, you discover a notice on the manufacturer website stating that certain kits were shipped with a defective radio receiver that can experience intermittent failures, resulting in in-flight loss of control. The manufacturer provides instructions for returning the receiver for a replacement, and that they will pay up to $250 in repair costs for damage to other components resulting from the defective receiver.
You are certain that your earlier incident was the result of one of these defective receivers. And in that case, you were only able to save the plane because of your quick reactio, and because you were flying the airplane high enough that there was room to recover from the electronics failure.
Nevertheless, the actual damage to the airplane came solely from your own carelessness a full month later.
Would it be ethical to submit a claim to the kit manufacturer and ask them to pay for the cost of repair?
Argument for: they are the ones that shipped an airplane with a defective component, and it was only your skill and luck that avoided a crash as a result of the defect. They made no attempt to contact you about the defect.
Argument against: you would be lying to them about the actual cause of the damage you are seeking to be reimbursed for.
EDIT: Damn it, how do I make this a poll?