Bed service

I am very disappointment for the service what I receive from Santam. This is not first time that my claims was rejected, but this time my Claim was rejected and I not understand why. My one sun panel from pool was leaking and I am not obligated to Insure this separately, because this is including to building. I send Quotation for change panel and damage raport and pictures from pool provider and today I was inform that Insurance don't cover me this because I am not Insured for panels. This is ridicules for me, panels was including to building. I don't needed Insurance which rejected any my claims.