Useless Insurance

Our claim was launched on the 5th of Oct 2023. We waited till the 14th of Nov 2023 to get a rejection from them. 29 years we've been loyal customers from Absa Insurance and only claimed for 2 x Geysers. We had 2 hailstorms 2012 and 2013 where we never even claimed from our insurance and fixed the damages ourselves. Our claim now was rejected saying we didn't do maintenance on our boundary wall. How do you do maintenance on a boundary wall? So, for 29 years we paid the insurance and only used it for the 2 geysers Is there a refund we can get to then fix the wall ourselves? Why do we pay insurance if they do not cover anything? Always stories of "Maintenace not done" According to the assessor that came out he was 100% sure that this wall must be fixed under our insurance. 5 weeks later after we phoned them numerous times now it's a different story. Best of all is on the letter where the claim was rejected it says that if you are not happy with the outcome then you welcome to contact Absa's ombudsman. How lovely, Use Absa's people that will take Absa's side. I will be warning people as I go and even warn people on social media about Absa and not to join their insurance.