Different insurance companies arrive at their decisions in different ways, and some have done the math and found that it is more profitable to deny a large number of claims that should have been accepted. This is because they save money on those claims where they can settle for low amounts and those claims where the insureds simply give up in frustration. This creates a perverse incentive for insurance companies to drag out litigation and fight claimants every step of the way.
In other words, your claim is simply viewed by the company as a small part of their big picture strategy for increasing profit and your individual circumstances have likely been ignored.