Outsurance not paying claims

I have lodge a claim to Outsurance but twice I have been rejected. 1st claim, Shower problem, all water under the wooden floors , cupboard got wet and mouldy, walls got wet, skirting board got wet. They refuse to accept claim as per there view, bad workman ship. I had same problem in 2015 , lodge a claim and was paid a fixed by the insurance company. Now same problem occurring. Now Oursurance state bad workmanship, just not to pay the claim. I am not a builder , or tiler, or plumber , so therefore I don't know anything about building. There reason. shower floor leaking but was water sealed . How can I get penalised for this. But I have on good authority that Outsurance worst company when get to pay out claims. Will find any reason in the book not to pay. 2nd claim , same year. Pool pump stop working. According to them, wear and tear.

Also 3 times I have tried to take all my insurance over to them and on all three times they could not match my current insurance. But they advertise they offer better rates, and if not, they will pay you. Well still waiting for that. False advertising