My wall between my gatden and the road blew down in some strong wind but my Home insurance has refused to pay out.?

My wall between my garden and the road blew down in some strong winds but my Home insurance has refused to pay out? they state 'As the cause of damage is unknown, there is no insured peril to attach to it.' The cause of damage was high winds on the day! How can I argue my claim?

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For the discount on insurance, do insurance companies look from the current term's gpa, the last term gpa, or the gpa overall (in the year so far)? (in the state of california)

My wall between my gatden and the road blew down in some strong wind but my Home insurance has refused to pay out.?

https://www.linkedin.com/pulse/online-life-insurance-quote-south-africa-katherine-lara/