Worst Claim experience

I have lodged a garage door Claim. Miway sent me their service provider who was not certain what the cause of the shaft bent was ,as a result the torsion snapped in half . They came back and advised it will be a rejection when we disputed they asked us to proof our loss ,which we did as our service provider advised the act was sudden and unforseen and could not be avoided We have been paying premiums religiously without fail ,we serviced our garage door when the need arose ,can someone tell us what the purpose of insurance is if it's not to cover you for things you cannot avoid???? How does one proof unforseen without reasonable doubt ,we sitting here fighting for a claim less than 6k when there is more premiums collected and no claims..if you are not conclusive on your report do you want me to commit ***** and proof otherwise. Worst service, in this rate I will be asked to proof why someone rear ended me should an accident occur