CLAIM REJECTED AGAIN !!!!!

I registered a claim for my aircon which was damaged either by water, lightening or storm during the recent storms in KZN, SBIB service provider came to access the damage and sent a report to SBIB. I had a call from Lindelwe Ntini from SBIB before the rejection letter informing me that the claim was rejected and i will be sent the rejection letter via mail. As per the rejection letter "STORM" damage is not covered. I have been through my policy documents and nowhere does it state storm damage is an exclusion. I have requested the service providers report to ascertain the cause of damage by the service provider which is being withheld. Lindelwe mentioned to me that the PC board showed no signs of damages, how can she assume this. I am an electronics engineer by trade who have experience in these kind of damages, physically you will not see any damages unless each track and component on the board is tested, then you will find a faulty track or component. I will be taking my case further, cos this is not the first time my claim has been rejected. I will be removing the board and sending it for testing, will have a report ready for a case against SBIB. SBIB and its employees finds every excuse to reject claims instead of see the merits and getting the facts.