Doesn't cover anything it seems

This is the worst buildings insurance. I have had claims declined over the last few months which I accepted. However, we have had a burst water pipe in bathroim which caused flooding in my bedroom. Ooba took almost a week to get back to us, only to I form us that a bathroom pipe is not covered. Then WHAT US COVERED? I am taking this to the ombudsman but I have not received proper documentation with a proper explanation on this. This is the worst insurance company, I don't know what I have been paying for and I certainly don't trust them.