Very unhappy

A portion of my boundary wall carved and cracked when it was raining heavily after raining for a couple days beforehand.I put in a claim for this & discoveryinsure says they rejecting my claim as apparently wear and tear?most likely assessor included other portions??I've had to call a couple of times to get this and requested the findings and not received it to be able to dispute this.this is all covered in my policy.in the meantime I'm very compromised on home security & worried if anything happems with this then will again blame the compromised wall not to approve.very unhappy