Insurance claim rejected. Need advice please

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My house was flooded last month and as a result of that my house got damaged. The water came from a burst pipe in the next door house.

The owners and insurer of the house next door have accepted liability in writing and based on that my building insurer has started work. Unfortunately, I did not have contents insurance (my mistake). I reached out the insurer of the house next door with my contents claim because the water came from their end but they have rejected my claim. Their reason for rejection is that there was no negligence on the part of the house owner and the pipe burst due to weather conditions (it was quite cold).

Do I have a claim here? Should I retain a solicitor?

Thank you.

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