Claim not going to be PAID !!!!

I`m currently busy with renovations at home and I had informed Miway of the renovations and my premium was increased due to the renovations . On Saturday evening (21st March ) my roof fell in due to the rain which left my furniture damaged , I notified Miway about the damages and my claim was handled by Prince Ncube who phoned me on the 25/03/2015 that my claim `might` no be paid due to the fact that I was renovating . My question is why did they6 ask that I inform them of the renovations and even increased my premium if they are not going to pay my claim . I want my claim paid I didn't ask for this accident to happen