ABSA Building Insurance

I have a roof leak at my house and reported the claim to ABSA on the 11th of Nov. The contractors came out to my house and from there I had literally no feedback. I followed up on the claim on the 19th again as there was more damages caused by the rain. the contractor came out again and assessed the damage on the walls. The contractor then sc****d a a sample off the wall and took it back with him. The claim was then denied on the 26th of Nov due to wear and tear. Is this not why we have insurance on our property ? I'm left now with a hole on my wall and no claim. ABSA's been taking my monies every month this I feel you ABSA is *****ing from me. What do you cover then if not for wear and tear on the building. This does not make any sense to me or any of the ABSA members that I talk to. ABSA took almost 3 weeks to let me know the claim was denied and now Im sitting with even worse damage to my property. ive been with ASBA for 10 years now and this is by far the worst service ive ever seen from ABSA and there has been plenty. Please explain to me why wear and tear is not covered. My previous claims on burst pipes were covered and that was ware and tear. This doesn't make any sense to me what so ever ????????????????????????????????????????????