I'M VERY DISAPPOINTED

Momentum is a pandemic. When they sell you their product they make the key elements easy and seamless only to find out they always reject home appliance claims. It's always wear and tear. In my complex we experienced power outrage and it was caused by a smoke in one of the units .A day after I switch on the TV and the sound system not switching on.I kept on trying for a week hoping it will switch on. I submitted a claim Tuesday they sent the assessor on Thursday. Friday I received a call from them rejecting my claim I knew there and then I'm not willing to fight a losing battle because they're known for rejecting appliance claims and I cancelled my policy with them now I'm told I'll get my refund in 30 days can someone explain to me why