Absa HOC

This was probably one of the worst decisions that I ever made to insure my houses with Absa insurance. When claiming a boundary wall that fell over due to weather and rain ( already slightly cracked due to a tree roots) in FEB 2022 after I only bought the house in Dec2021 and did my financing with Absa homeloans and then a claim gets rejected because I should have done maintenance on the wall , and that he wall was retaining soil.

Seriously, how do you do maintenance on boundary wall if you hardly been staying in the property for 2 months, and should a buyer do inspection of all surrounding neighbours yard to determine if the walls are retaining soil before purchasing? And does the Absa not do their own inspection of a property before approving the finance on the property??