Vodacom insurance bad service

Vodacom insurance have disappointed me. I lost my phone, at first i thought i left my phone at home on the 11th of April 2023, it often happens i work at another place which is far from my home town, so i did not mind because it is safe at home. On the 5th May 2023 i went home for the weekend, i searched for it and could not find it, i blacklisted the phone immediately. So vodacom is telling me i did not report the phone in time, i ddnt even know the phone was lost. Like they do not have any reasons to tell me that because even if they can check on their system i have not used the phone during that period. I do not understand the real reason for them to actually decline my claim. And it took a full week to tell me they rejecting my claim. And the reason was because i reported late, and i only reported when i was sure the phone was lost. Please help☹️