Unexpected happening

I was constantly updated untill my claim was declined, then I had to phone them and spent loads of airtime to get hold of them. My existing maintanance would have withstood a normal winter rain, but it was severely damaged by an unexpected storm early in May, but they declined my claim informing me my damage was caused by a lack of maintanance although the storm was an unexpected happening and in my contract I was covered against unexpected happenings.