Budget Insurance claim rejected bad service

Im insured with Budget Insurance recently had a claim submitted due to storm/gale force winds which was accompanied later by rain causing damage to my roof and also noticing drops inside my house for the first time ever, had rain before and never it leaked in my house. Submitted claim, assessor was sent out to do assessment, report came back and stated that damage is due to lack of maintenance from my side and wear and tear, deterioration, etc. of roof. This is not good from such a reputable company and stating that its me who haven't been doing maintenence on my roof, in my report I stated that I have app**** waterproofing to certain areas of my roof where I deemed necessary prior to damages and maintenace was done by myself. So now claim is rejected and im sitting with a damaged roof amd was told by consultant of Budget Insurance in claims department that i should get my own contractors and fix the roof out of my expenses. I mean come on im paying an insurance so that in the event something do happens im covered but now im worse off, after the dispute i was just sent a long email with the report stating claim/case is closed, rep**** on the email but no response after that not even a call to explain the whole situation.