Zurich Insurance Front Windshield Claim Denial

I renewed my Zurich Insurance policy, but they denied my claim for a cracked windshield. My policy ended on December 15, 2023, and I got it renewed from Zurich Insurance. On January 20, 2024, my windshield got damaged, but due to busyness, I couldn't address it immediately. I managed to get the required inspection done on February 5, 2024, to avoid penalties. However, my claim was rejected because the inspection report stated that the windshield damage occurred after my application date. The company cited their procedures, stating that the windshield should not have been damaged during inspection or should have been replaced before. They disregarded the fact that the damage occurred during the coverage period of my insurance. Zurich Insurance has not resolved my grievance, and even upon my appeal, they rejected it without conducting a second evaluation.