Storm damage in KZN which Discovery insure insist not to pay out damage.

I had almost R100000 damage after the storms in Durban to my home and although several experts confirm to me before the storm that waterproofing is in order, they are just adamant that the damage was the cause of negligence. They persist that the waterproofing was inadequate although the photos were taken after the storm damage the roof. They just insist not to pay any damage costs.