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American Modern Home Insurance (Heacock). Claim Denied

First, I'd like to express my opinion on this classic insurance demands to have your car stored in a locked garage 100% of the time when not pleasure riding. I think this is impossible.

I had to do some work in my garage. I had to use the space my 74 Spider took up so I parked it outside.Around 11:00pm I went to pull the Spider into the garage and someone had taken a very large rock and smashed the windshield.

I reported this to the insurance and they denied the claim stating and quoting from my policy that the insurance requires me to store my Alfa in a locked garage 100% of the time when not pleasure riding.
 
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