Claim rejected upfront

Very poor service. I am very dissatisfied and disappointed by the company and it's agents. I wanted to register a claim but it was rejected upfront. But they don't reject my monthly premium. I regret the day I signed with this company. Does the law allow upfront rejection of a claim without assessment? Leah Smith am very dissatisfied and disappointed. Your voice tone from the start just indicated to me that you are going to reject my claim