Fallen lapa claim REF CKP***/1

I am in a process of a claim for a lapa that fell because of heavy storm and winds on Monday in Bloemfontein. The overall cost to replace if R28k. Today, they just indicated that the claim is rejected because the pole was rotten, according to their Service Provider report. Since the pole was rotten underground, not above, I am insisting that they base their decision on a lapa maintenance standard that indicates that the owner must dig underground to check if the poles are rotten because the maintenance we have been carrying out is on the accessible features of the lapa. I need fight this before it is too late because this is just a lousy excuse of saving towards Christmas bonuses. There might be additional implications to this claim because the lapa has touched the neighbour's electric fence.