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IT SHOULDN'T happen, but there is clearly a problem with the tensioner, which has allowed the chain to slacken and eventually break. When a chain breaks it often results in serious damage to the engine, and I'm not surprised it cost so much to repair. I reckon Ford treated you badly by simply paying for the tensioner kit when they should in my mind have paid for most, if not all, of the repair costs. Go direct to Ford and request they reimburse you.
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