Hollard a *****

Ref number 916692. So my claim was finally rejected, why, because the retaining wall was not built correctly. Also the assessor told me that I must claim against the guys that done the retaining wall. The cause of the damage was heavy rains, which is not covered by hollard looks like.... SO WHY DO I TAKE OUT INSURANCE......Also the rejection letter got lost on the way to me looks like. My thing is that when I took out the insurance no assessor or structural engineer came out to see anything, but when time came out to pay, then we send everybody out to make sure Hollard does not pay its client. Also I will be referring this to the ombudsman to review this whole claim...Hollard you are a *****...