DECLINED CLAIM

I FILED A CLAIM WITH THE ABOVEMENTIONED INSTITUTION ON THE 4TH OF AUG 2015.THEY LATER SENT ME FORMS TO FILL OUT AND AN ASSESSOR[JOHN] WAS ASSIGNED.JOHN CALLED AND WE MET AT MY HOME WHERE I POINTED THE DAMAGED CUPBOARDS AND WHERE THE WATER ENTERS WHEN IT RAINS[THROUGH THE SCULLERY WINDOW].JOHN ALSO POINTED TO A LITTLE CRACK ON THE ROOF SHEETS BUT I TOLD HIM THAT THAT WASNT WHERE THE WATER ENTERED THE CUPBOARDS.I ALSO MENTIONED TO JOHN[IN CONVERSATION]THAT I RECENTLY CAME BACK TO MY HOME AND MY WIFE DIDNT KNOW WHO OR WHERE TO CALL TO REPORT THIS.LAST WEEK I CALLED THE CALL CENTRE TO HEAR WHAT THE OUTCOME OF MY CLAIM WAS AND WAS TOLD THAT IT WAS DECLINED BASED ON THE REPORT THAT JOHN WROTE THAT IT IS THROUGH BAD MANAGEMENT BY THE OWNER THAT THE WATER DAMAGED THE CUPBOARDS AND RECOMMENDS THAT THE CLAIM NOT BE PAID.WHY SHOULD I CONTINUE PAYING FOR INSURANCE WHEN ALL THEY LOOK FOR ARE EXCUSES NOT TO PAY WHEN IT'S THEIR TURN TO PAY?