Discovery insure

I submit a claim to discovery for a building. Due to all the rain we had, i had water coming into my house. The water caused the tiles to come loose. We stay in the house for 8 years and the house is more than 15 years old. Discovery declined the claim and said because of the pebbles next to the house the water couldn't drain and the tiles come loose because of poor workmenship... Since we stayed in the house this never happened previously and Discovery except us as clients without any exceptions. So how fair is the discussion they made...