First for Women Claim

I lived and worked in China for 6 years and paid the monthly premium towards home insurance. I had no claim, even geysers of which I had got 6 on the premises for the past six years. We had a thunderstorm that caused no electricity for 7 days. Now the First woman claimed that I neglected the maintenance of the roof. It never leaked before. They refused my claim. The previous claim they denied me and I fixed the roof with R18000 later. My cost This time it was a natural cause, and we had no electricity. Do I change my insurance company? They send 3 people to come and investigate ... pictures drones Why don't they spend less money on investigating the issue and just fix the problem? All assessors are driving nice expensive cars and my claim is denied