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Sorry to hear of your insurance problem.
Insurance is a great racket. They sell you a bundle of papers you can’t read (unless maybe you are an attorney) and get you to pay for it month after month for the rest of your life.
You never know what to expect. They replaced a 20 year old hail damaged roof for me, paying 80 percent - I was a few months out from replacing it for its age. My wife had a newer roof damaged by hail, they paid for the roof AND new gutters because the old ones had a couple of dents, then refused to renew her policy.
Then you have a real loss and they refuse to pay.
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