Gazebo/Canopy wrecked...insurance looks like it covers nothing
So, a pretty straightforward situation. I have one of those metal frame gazebo/canopy things (think something like [this](https://www.wayfair.com/GDY--Outdoor-11-Ft.-W-x-11-Ft.-D-Metal-Popup-Canopy-OBGZ027-L7052-K~GYAA1174.html?refid=GX679866981254-GYAA1174&device=c&ptid=771213233278&network=g&targetid=pla-771213233278&channel=GooglePLA&ireid=142567922&fdid=1817&gad_source=1&gclid=EAIaIQobChMI5O3Q3fbehwMV20n_AR2esR45EAQYCCABEgK4PvD_BwE), for reference). When I bought it, I even opted to get the extra "Accidental Damage from Handling" (ADH) insurance, which I normally don't choose to bother with. All insurance is through AllState.
Well, despite being sandbagged down, a *really* windy day happened, and the thing got flipped over. Damage was relatively minor, except for a slight tear in the canopy, a few rips in the screen, and most significantly, a pretty gnarly bend in one of the vertical supports (with smaller bends in other supports around it). It's still somewhat usable, but not great.
Here's the issue:
I filed an insurance claim, and I keep getting emails back asking for more details. Pictures of the damage, at first (which I sent), and now they want me to "...reply to this email with context on how the damage(s) or incident occurred."
My concern is that I really did take care, and was even responsible enough to buy that additional ADH policy, but I worry that one wrong word and the whole thing will get invalidated.
When I looked at the T&Cs for the insurance, it looks like it covers nothing. Here are the things it lists as specifically **not** covered (the ones that are relevant to my situation, as there are a total of 30 disclaimers):
* Normal wear and tear * Repair "...necessitated by loss or damage resulting from any cause other than normal use, storage and operation of the Product in accordance with the manufacturer’s specifications and owner’s manual" * Damage caused by exposure to weather conditions * Collateral damage * Act of nature, which is clarified as "(any accident caused or produced by any physical cause which cannot be foreseen or prevented, such as storms, perils of the sea, tornadoes, hurricanes, floods and earthquakes)"
I mean, what the hell? What does this leave, vis-Ă -vis a gazebo? How could any coverable damage possibly occur??
I would really appreciate any advice from more knowledgeable people. I'll call them, take more photos, or do whatever will help me out. I'm not afraid to work hard at this. To emphasize: I'm not looking to game the system in any way. I simply worry that if I take a wrong step, use a word they flag, then my claim will be tossed out and even in arbitration they will come back to that word or moment.
Thanks everyone. I appreciate anyone who made it to the bottom of this monster post.
ETA: Someone asked for the T&C doc. [Here it is](https://www.squaretrade.com/img/merchant/pdf/terms-conditions/2021-06-04-APP-STANDARD-EN.pdf).