Bad service and disappointed client

Worst service ever.

7 days ago my ceiling collapsed while we are sleeping. The next morning I called my insurance company to assist with opening up a claim and hopefully fix my ceiling. The assessor came through and that was the LAST Time I heard from my Insurance company. I had to make several calls to them and they said they would call back. They never did so on Monday (7 days later) I called them again for them to tell me that my claim can't go forward as I threw away the broken pieces of the ceiling. I told them that I have 4 small children I had to clean the house and this dust will make them sick over time. Because its not their children and it doesn't affect them, they don't care All they could say was since I had previously had leaks fixed on my ceiling with out claiming with them, I need to get to get a date when it as done etc...

All I see is another insurance company trying to find a loop hole so that they don't pay out for a claim. Been with them for over 5 years and I thought that would count for something. Especially for someone who has minimal claims... I am so furious and disappointed with King Price