Claim for Japan trip interrupted by storm

My wife and I traveled around Japan a year ago, to and from Australia. We took out Southern Cross Travel Insurance (SCTI) before leaving. The day before we were due to fly home from Osaka, we were in Fukui, and a huge storm hit the coast. The next day we expected to take a train to Osaka, but all rail-lines were cut, so we had to stay an extra night in a hotel (approx $100), and re-book our flight (which cost about $300 penalty). The following day the rail-lines were clear and we got to Osaka then home. I claimed for the hotel (not for a meal) and the airfare, and SCTI paid up promptly. Note, I was careful to get Japan Rail to give me a notification of the storm damage and closure of rails (it was in Japanese but I presume SCTI have interpreters). I sent SCTI the receipts, the rail notification (I did not claim for the rail fare, as Japan Rail changed our prior booking at no cost), and the train and air flight details and receipt for the cost of flight re-booking.
I think it was important to keep all documents so SCTI could see I was not 'scamming' them. They seem quite cooperative.

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