STORM REJECTION CLAIM

Got three different response for storm claim Rejection with standard bank building insurance firstly It was rejected because my **** said it was already leaking and she is not even aware of that ,secondly rejected because its wear and tear while we 11 mths old in this house and thirdly rejected because on top of the roof there is a cement which shows that there was a crack of which we not aware of, I am so disappointed especially because its only happened during the storm it never happened before and its not happening now, My understanding is maybe the tiles shifted because that's why the water was pouring inside like that, right now I hate Standard bank,. I hate them,