Ooba Rejected my claim

Ooba insure is a **** I won't advice anyone to join them. Their service is poor, my roof structure is damaged, and it leaks when it is raining, I lodged a claim in March 2025 they took 1 month to appoint an assessor to come and assess the damage. During that waiting period rain continued for several days causing more damage. I waited another month after the assessor came without getting feedback. I did a follow up they told me they will send another assessor the second assessor came to weeks late they reject my claim saying it falls out of coverage. I have been paying Ooba for almost 10 years without skipping months. What exactly am I paying for if I will have to fix my house myself for any unexpected events.