Unfortunately for me and my property storm “Gareth” in effect deposited copiously amounts of driving rain water through roof space into bathroom / lounge area into the building on the 12th and 13th March 2019. We made good the area in question patched small hole in lounge ceiling soaked up surplus rain water, waited for surveyor to be appointed. I contacted my John Lewis Insurer claims service who eventually surveyed via camera on pole the slate roof handed over a form, “claim cancelled”, left. Eventually on querying the refusal received telephone call, “wear and tear, not covered, claim is cancelled”, conversation re: Ann marie. At John Lewis. Email sent by me highlighting “Storm Gareth” please check the forecast response per JL, email “We have checked wouldn't have expected structural damage to have occurred with the recorded weather conditions so any damage would be attributed to general maintenance which is excluded under the policy”. Message relates to ongoing severe forecast at that time,12th/13th/march 2019, time of incident, email concludes, “There is no visible damage to roof!!” Therefore am I to assume that the roof is “sound” ingress of rain water a figment of my imagination? I rejected their explanation forwarded a report via “GOOGLE”, and picture of “STORM”, front per claim. Email JL: “The closest weather station we refer to has recorded maximum gusts of 43mph, which falls below wind speed we'd expect to potentially cause storm damage to your home”. This statement contradicts reported official weather transmitted reports by Met Office. As the incident played out. “J.L are quite happy to review roofers estimate”, yet made no offer for me to review their evidence or information , re pictures taken at 23/3/2019. The overall repair estimate was around “£300 or less, excess £200 per policy.