Long waiting period for claim to be validated by Ooba/4-sure claims just to be told that it has been rejected

Submitted a claim for structural insurance and was told that 4-sure claims have been appointed to handle claim. Builders came out to assess. It then took 3 weeks for the claim to be rejected. In that time I had called them twice and was told that they would expedite it as its been in validation for too long. I could have made other arrangements within that time to get what I needed fixed to be fixed. I was also then told that my claim was rejected because its not covered in my policy. If tiles cracking due to cold expansion is not seen as structural then I do not get why this insurance is mandatory for someone buying a home.