BE VERY CAREFUL WITH OUTSURANCE THE DONT PAY CLAIMS

I have been insured with outsurance since July 2019 and I have just claimed now in Feb during the heavy and continuous rain of maybe 3 weeks. My balcony was damaged and when I put in a claim they refused to pay saying the damages were normal wear and tear. It is very suprising that it has been raining before these rains and there was no problem with my balcony but no outsurance tells me of wear and tear. I am looking at other companies to insure me because what's the point of having outsurance cover me when they cannot sere me? The reason we take up insurance is for unforseen circumstances like this but they refuse to pay my claim when they did not even in the first place make sure that there was no problem with my balcony before insuring me. So for outsurance it is easy and convenient to take premiums but difficult to settle claims when required. I am done with them please be very carefull when dealing with outsurance.