Portage Mutual Insurance Home Insurance Reviews

After the recent storms and winds in Winnipeg we had shingles come off the roof on two sides, the shingles were 15 years old, we called PM who we pay $4k plus a year to insure our home and was told we are not covered fully and they would only pay to get it patched. The shingles do not exist anymore and cannot be matched. When the roofing company, our Broker also told them it cannot be done all PM said was not our problem and only obliged to patch according to some sub rule, we was then told that if rain got in and did any damage we were not covered.
This is typical of insurance companies when it comes to having to fix or pay out, then we are told that their investments are down so are clamping down on claims, is that our fault? What do we pay insurance for if not covered for these accidents?
We are at present taking this further with the ombudsman to make Portage Mutual liable for the repair, that’s what we pay the cover for.
The inspector who came to check the damage will not answer calls, emails from us or our brokers. Scam comes to mind, BUYERS BEWARE, these are not very professional and I would not recommend.