Geyser Claim

On the 2nd September 2015, I registered a claim for my geyser. <br> I made it clear to the person who was registering the claim that my current geyser that I was replacing is not bursted but old and not efficient. I personally felt that it will be wise to install a new one so that I can a functioning geyser. <br> On the same day AFI sent a plumber to my house for inspection. On the 8th September I got a mail from Beauty notifying me that AFI is closing the claim since the old geyser did not burst and the plumber's report.<br> My question is WHY should I waite for a not so effiecent gyser to burst and cause more damage in my house so that I can claim whereas I can replace the geyser and be reimbursed by the insurance.<br> <br> Please help.