Sonnet Home Insurance Reviews

I bought a fixer-upper and got insurance from Sonnet insurance online.
The policy said I was covered for flooding and for sewer backup. The property was next to a stream so in September of 2020 I applied for a permit from WAWA (watercourse and wetland alteration) to place boulders next to the stream to prevent possible flooding in the spring.
It flooded in December of 2020 pushing soil up under the house and lifting the toilet and the pipes leading to the septic tank. Some of the pipes were broken and displaced. The support beam at the front of the house was washed away and support beams were cracked. The door was removed. The foundation was back washed away.
My claim was denied because they said the home was vacant for more than 30 days. It was not vacant!
Two or three months after the flood they cancelled my insurance for no reason.
I appealed to two separate ombudsmen and was denied.
I am now taking legal action.
Sonnet is terrible.