What a disappointment

Unfortunately this company doesn't fulfill their obligation as an insurance company. My house burned down in September 2018 and they refused to pay out my claim and cancelled my policy in November 2018. Their excuse was that I did not stipulate that I had a thatch roof, but I have the email where I specified I have an wooden house with a thatch roof upon my application form. And they debited my account till end of November. Why must I pay for a premium if everything was burned down? So my advice is run. Run in the opposite direction if you ever have the notion of joining this company. Rather use Mutual & Federal or Lloyds of London. Now those are proper insurance companies.