Insurance that finds reasons not to pay

Just another insurance scheme finding ways not to pay. Comes as no surprise in all honesty. Surprised? No! Disappointed? Yes!

2023's storm during winter was bad enough to have seen the ceiling in my living room develop a stain of water clearly seeping through my roof. Eventually starting to discolor. Not wanting to put in a claim at the time, with damages not at all severe at that time, I had repairs done to my waterproofing on the roof at own cost.

Fast forward to winter 2024, the first real heavy downpour, my ceiling clearly wasn't prepared for. A section of the ceiling completely breaks through and leaves my home with a massive hole and a mess of damage onto my less than 2 year old couches.

Finally I feel the need to bother SAHL with a claim, there's a hole in my ceiling now. An assessment is done and of course, my claim is declined a few days later because the damage is from "over time". What does that even mean? Over time? Last year? I was and am still the owner, under the same Home Owners Cover. Would the work have been different back then when the ceiling was just discoloring yet sagging? Is it more work now that the ceiling has actually collapsed?

SAHL - don't worry, I am not surprised. Really no, I am not surprised.