Claim refused

bad experience after my first claim, My claim was declined due to Lapa being closer than 1m to my house. My Lapa caught fire while I was busy making a fire in the fireplace. They stipulated that that I did not mention that I had a Lapa, I asked for the recording, and not only did I mention the Lapa, but I clearly stated that it was closer than a meter to the house. They then reviewed my claim and then declined it as the fireplace according to them were not maintained. It had a crack in the chimney that was hidden behind the grass. I made fire in the Lapa plenty of times and that crack must have happened due to tremors after I took out insurance. They also cancelled my insurance and refuse to refund my payment after my policy was cancelled. They also stated that they would not have accepted my claim even if I lost my whole house and everything in it.