Building Cover claim rejected unfairly

Our house has a crack on the side wall. we lodged a claim with Indwe and an assessor evaluated the house and asked an engineer to give a report. The engineer discovered that the extension that was added to the main house in 1989 was not correct. This resulted in Indwe rejecting the claim.<br> My questions are: <br> 1. Who digs the ground and looks at foundations when buying a house<br> 2. All Plans were approved by municipality and foundations was also approved <br> 3. Indwe agreed to insure the property as is, now when there is a problem then they reject.<br> 4. The Assessor even said that the claim will be paid and asked the engineer to submit a separate quote to oversee the remedial work. <br> <br> TO ALL THOSE WHO HAVE BUILDING COVER WITH INDWE RISK AND UNDERWRITTEN BY SANTAM <br> PLEASE TAKE NECESSARY PRECAUTIONS AS THIS MAY HAPPEN TO YOU<br> <br> THEY TAKE THEIR PREMIUMS EVERY MONTH WITHOUT FAIL BUT WILL REJECT AS AND WHEN THEY FEEL.<br>