Very unhappy x2!!!!

A 2nd claim has been refused. I claimed for a shadeport cover that was damaged by strong wind. I was told it could be repaired and would cost less than my excess. I got 2 quotes and both said a repair was not going to last, so it cost me to replace the cover. Then I employed a painting company to do interior painting and they messed on my carpets. My claim was rejected because it was accidental?? I’m going to be looking into alternative insurance options and companies this week.