Budget Insurance rejections

Morning I had 2 claims for my granny cottage and they rejected both claims. *** and ***During the heavy storm late last year. My granny cottage the tiled roof started to leak and damaged the ceiling. The assessor says that the roof pitch is incorrect. This building was built 25 years plus and was passed by the municipal building inspectors. claim 2 : damp walls inside the granny cottage. the assessor also rejected this claim saying that the wall has a crack in the outside. This is a hairline crack on the plaster. claim 3 the earth linkage got burnt and they also refused this claim saying wear and tear. Looks like Budget Insurance are not transparent and they their assessors to play their tune.