Unfair and unprofessional treatment

I submitted a claim *** for the washing machine, an assessor was a day and half later,

He came an check the control unit of the machine while I reported the intake valance, he didn’t bother to check if it was faulty… after his assessment he informed me that they will send people to come pick it up for formal assessment, I contacted discover 3 days later as someone had not collected the machine then I was told that my was referred for other assessment. I was then told to complete a consent form which I did.. days passed the i got a call from discovery to tell me that they do not cover wear and tear… I ask how did they come to the conclusion if they didn’t even assess the problem they could not answer… I had waited for the formal letter of my rejection until today I have received so that I can challenge the outcome…

Very unprofessional from discovery but they collect their premiums monthly without any problem.