carmelo ruggiero engine under warranty denied.rainy day caused belt and time belt damaged and caused big problem to engine.Is a kia optima with 26000 year 2004 always garaged and body parts rusted staten island, New York

car always garaged.On sunday 04/17/2011 i was driving the car on very hard rainy day on a paddle of water when iheard lot of noise in the engine .the engine stop running and called a tow truck  and bring the car to my mechanic in Hollywood,Florida.I contacted kia motors and they told me that the time belt  caused all the problem and it was not under warranty after 5years.My mechanic told me that all the problem was caused by the rain.I contacted my insurance Geico,and made a claim but since i had no collision it denied the claim.I am very disappointed that an auto with 100000miles and 10 year engine warranty,service is denied.They rip people off from the beginning when you by a car with finance and when you need help they just disregard you.Bad service and ripoff always to the poors.My car right now is getting repair and the damage maybe over 3000dollars .Shame of you kia.Next time i will by a GM car.
this time a learn a lesson.