Worst Insurer ever

We moved into a new home late October last year. There was no indication that the roof had not been maintained. After paying insurance for the year the rain came and leaked into our ceiling and caused damage. I lost my husband this year July. There is now no male presence to check and help me with the home. During the worst possible time in my life now being the sole breadwinner and having to manage everything alone they declined the entire claim. I would rather take my premium and pay another insurer. OUTsurance your service sucks. At the lowest possible time in my life you have not been of service.