Pathetic service

I reported damage to my pool cover due to wind damage, whereby the wind tore the hooks that fit my cover to the paving apart. Needless to say, the hooks are not fixable at all, now I have to secure my pool cover with bricks so that my grandchild does not fall into the pool. The claim was reported to Auto&General, they did send an assessor, which after assessment report to Auto &General that the pool cover, after I showed him the hooks that were ripped by the wind and he confirmed, will not be fixed because it is according to him "wear and tear" !!! Ja Mr assessor the wind-worn & torn my cover!! Wayback when we were looking for short-term insurance the Sales person at Auto&General advise us to take pool equipment insurance of which the pool cover was included of which we did include that cover for R120 p/m. It seems to me that Auto&General was clearly looking for a reason not to honor my claim. It makes me worried because everything we own is insured by them, will there always be excuses when a claim is registered at Auto & General