Dial Direct suck!!!!!!!!!!!!

We've submitted a claim last month for our swimming pool motor that broke. The assesor did his inspection and found that the bearings broke and this is due to maintenance. Dial direct rejected the claim and told us that is due to maintenance. HOW ON EARTH CAN ONE WHO IS NOT AN ELECTRICIAN DO MAINTENANCE ON A SWIMMING POOL MOTOR TO DO MAINTENANCE ON THE BEARINGS?????? I THINK IT IS UNFAIR AND THE CLAIM SHOULD HAVE BEING APPROVED. Or is Dial Direct just taking our money for free????