Standard Bank Home Insurance - wear and tear???

We bought a house May 2024 and this year January we had severe storms. It rained extremely hard for two days in a row. This caused the bedroom in the house to flood, but not through the ceiling or door, but through the walls and floor, the water were seeping through and 12.00 that night we woke up with the bedroom floor completely flooded. All our furniture, loose carpets, tables, dog beds, curtains were all soaked and build in cupbourds. The claims department got in touch with us and sent out "Builders" to come out and inspect, they insisted that a pipe were leaking under the house and asked another company to do a leak detection test. They got back to us and told us that there were no leaks. The same "Builders" were sent out again and after a few days we received a rejection letter from Standard bank - It stated Wear and tear. So without giving us any further explanation on what this means. What does wear and tear mean on floods and if a bedroom gets water seeping through walls and floors.