Rejected claims based on what the insurer believes is wear and tear

I recently logged a claim for my water damaged kitchen cupboards. Besides the fact that the claim has been drawn out, it was rejected on the basis of wear and tear. It is clear that the kitchen cupboards were subjected to water as the kitchen cupboards are swollen with water. MUA has claimed that wear and tear due to water leakage over time? Even though we have confirmed that it was not the condition 3 months ago, there was a geyser replacement and the granite tops are cracked. Both the contractor and the insurance broker has commented that it is clear that this is not damage that occured over a period of time and is more a once off event due to accidential damage. I have continued to get more opinions on the matter to attempt to prove to MUA that this is not a wear and tear matter, but now am referred to the ombudsman. We pay our insurance policies for cover in these incidents to be rejected by claims of wear and tear. In the meantime, the insured must be uncomfortable while paying premiums for executive policies!! Just not acceptable.