aaa home insurance california

Is this normal for home insurance?

I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?
The sprinkler lines are in my attic.

It is standard. I once had a toilet leak all downstairs and ruined the carpet, etc., They covered the damage, not the toilet!