Hollard Insurance pathetic

We recently had our ceiling collapse in our lounge, its was horrific and was over the recent long weekend, i have 2 granddaughters living in the house aged 18 month and 24 months, the nails in the board were so dangerous and someone could have got seriously hurt so we got someone to come take the boards away, in that the guy quoted to fix our ceiling and we went ahead fixing it not getting the go ahead from Hollard but not expecting it to be a problem and anyway whether they did cover or not it had to et repaired. insurers always try find a loop hole out of a claim not matter what and Hollard did, they sent engineers and what not to see why the ceiling collapsed could not find reason so twice rejected our claim, needless to say i am so bitter and angry because i know of so many insurance ****s where people get away with claims that were not genuine but when you are honest it does not pay of, no wonder their is so much dishonesty out there is does not pay to be genuine and honest. My ceiling genuinely collapsed, no bull**** story, the whole thing fell, i even took pictures to show them, the chandelier was buckled and bent my couch back broke in half but yet we were questioned and it was rejected, then ask yourself a question why are you insured. i have referred it to the ombudsman and i am currently awaiting to hear from them, hope after all this there will be some good news even if they meet us half way. but truly i am at a loss for words.