Ray Insurance Refuses to Cover Balcony Collapse Under My Home Policy

About a month ago, I filed a claim with Ray Insurance under my home insurance policy regarding damage I experienced. My claim file number is 20202402462. The edge of my balcony collapsed due to water damage that affected the natural gas pipe. My home is 10 years old, and there was no such damage before I took out the insurance policy. Following my claim, an expert inspection concluded that the damage was not covered under the policy, and Ray Insurance refused to make a payment. After this decision, I filed a complaint with the Insurance and Private Pension Regulation and Supervision Agency, but they also stated that it was caused by a material defect and therefore excluded from coverage. However, since there was no such issue before I got the insurance, I believe the damage should be covered under my policy. I have never experienced such a situation before, and I request that Ray Insurance pay for the damage and that my complaint be shared to prevent others from facing the same issue.