short term insurance claim

My name is Mason Boaz. I have been a customer of king price insurance for over 4 years. I have been paying my premiums regularly to an amount in excess of R2000 pm for my building and motor vehicle cover. Recently after the storms in kzn I submitted a claim on my boundary wall, that were starting to slant due to the excessive rains, for their repairs, and also one of the rooms that became water logged which required the removal of the the laminating floors and the removing of the bedroom cupboards due to swelling of the timber. these cupboards needed to be removed and the room required repainting. The outcome of the claim was that it was rejected due to lack of maintenance. The issue is that it was, damaged by the severe rains. It is with a sense of concern that one notes that a company of this magnitude deems it convenient to reject a claim so that they would not have the responsibility of making good such repairs. It is my perception that another short term company would not have come to the same conclusion as king price. It is therefore a question of why does one have to an insurance cover when the company could just reject a claim. A poor service from king price.