Unfair treatment

My niece has recently made a claim from budget insurance. They approved part of claim and rejected another. The claim was for home. Recently Utrecht had some adverse weather where strong winds and hail had ravaged the area. The weather was so bad that even weather bureau issued warnings regarding such. Budget insurance then rejected a claim,the reason was that the timber holding roof was old/rotten. There's lots of roofs that were blown away in the area irrespective of whether the roof timber was old or new. I felt like it's unfair to judge based on that because this was not normal weather conditions. They also covered the other building that had recently been built yet it was had the roof blown.