Storm damage insurance claim

[Hetj]

[8-)]Hi

Has anyone had a problem claiming on their insurance due to damage caused by the tempest early on in the year.  We had an expensive heavy duty winter pool cover put on our pool at our holiday home (near Clermont l'Herault) last November and believed our UK based insurance - which we had researched long and hard - covered this item. Now having had damage - effectively the storm shredded the edges away so it is written off! - we have had several phone calls to the insurers, who first said we should claim for the pool cover although the pool fence wasn't covered (as we knew!), and then got a letter and second call (different person) saying it wasn't.  The policy wording upon scrutiny is VERY open to interpretation although when we read it originally we thought it covered such items.  On appealing to the insurance company they are now saying (bizarrely!) that if we can show others have claimed successfully on their insurance for such damage to pools after the tempest they'll consider paying! 

Anyone had damage like this during the tempest, any similar experience, or an offer any help here? Would also welcome ideas on where to go for my renewal???!!! [:)]

Thanks