not happy at all

I filed a claim against Standard Bank Homeloans Insurer on February 19, 2020. The bank sent out a contractor on February 20, 2020, who assessed the house. On February 25, 2020, I phoned to find out what the progress of the claim was. One Kisha informed me that the claim was rejected because according to the contractor's report it was not rain damages and that the cupboard and tiles was already removed by then. I was not aware that I could claim for cupboard and tiles damages by the rain. I know that the damages was caused by the rain and the cupboard collapsed and the tiles was in such a condition that causes people to trip over it and then fall over it.

Hope you can assist me in above matter