Standard Bank not honouring Claim

On 1st November 2015 we experienced some heavy Gale forces in Durban and our Precast Fence broke several places.We contact Standard Insurance, and they did send a Contractor since the fence was also covered in the policy. After a few days I contacted Standard Bank and was told that they have declined our claim. The reason they gave was that the fence was not put in properly. We only purchased this house about 3-4 months ago and when we moved in, the precast fence was intact. The only reason the fence broke was because of the weather which was a natural disaster. How can they not honour this claim since the house was bought \AS IS"and we <br> found the fencing to be fine. I am really very upset since we had to foot a water bill +-R19 000.00 since there was an underground leak and we only found out after we received the water bill. We are really disappointed. """