Dial direct

I recently had to claim from dial direct for a power surge. We were without power for 4 days as the power came on I noticed that my fridge was not working my generator stopped working the day before.i was told by them that they will not pay as this is normal wear and tear.Last week we had a huge storm and my cycling got damaged due to the storm again they told me that the roof is wear and tear And they will not pay. Dial direct takes your ching