FLASH FLOOD/ACT OF NATURE CLAIM REFUSING TO PAY

We have a claim for flood damage but the only time we hear from them or get feedback is when we phone them. Then they want to take a report from a biased contractor with inadequate facts and false assumptions and want reject our claim and want to make a flash flood and act of nature our fault because of building regulations we know nothing about. Regulations they asked nothing about when the policy was sold to us and the claim handler confirmed that they wont ask technical questions like that but then they want to be technical when it comes to honoring a claim.