Am I entitled to insurance money for storm damage?

摘要

We had an insurance claim three years ago for storm damage to two sheds - one partly collapsed and structurally damaged and another suddenly dangerously close to collapse. The only safe option was to pull them down and rebuild. The loss adjusters condemned everything, saying it was due to lack of maintenance that the sheds were in the state they were. However, that’s not correct. We strongly feel we are entitled to our insurance money and welcome any advice you can give.