Outsurance Policy number OT***2

I got a property insurance with Outsurance for my house as per Policy Number OT***2.The policy is active for several years.I logged a claim around end February or early March 2023 about my roof that was damaged by a storm that occured in our area.As a result Outsurance send out their inspecting team Masilela Enterprise from Emalatlheni in Mpumalanga.They drafted a report and forwarded it to Outsurance.Outsurance declined my claim allegeding that the storm should have taken down my roof down on the spot.Outsurance further alleged that according to their assesment the roof was damaged gradually over tlme.Am still suprised as i dont have control over nature,cannot keep on climbing the roof not being a carpenter or climbing to check whilst i knew nothing about construction.What is the purpose of taking out a property insurance with them?Why must they ill treat me whilst am paying out their monthly premiums?What will happen when another storm might occur and took off the whole?What about the reccuring damages whilst fighting with attorneys to force Outsurance to compensate me?Does Outsurance care about the safety of my family?Must a loose a job running behind Outsurance to comply with its obligations?