Why do we have insured? terrible services!!

In my case, the part of my house boundary wall collapsed naturally on April 9th. The next day I made a claim to the insurance company and finished the assessment. As the decision on the insurance company's coverage was delayed, I made a few calls and e-mailed but I was notified today ( 9th of May) after a month delaying the incident. Hollard cannot cover for it because it collapsed due to natural wear, As you all know, the collapse of the boundry wall is an emergency, so it is natural that Hollard had to give at least a few days to cover or not, The insurance company avoids to cover for unreasonable reasons. Service to customers is a mess. too l~~~ong.