Budget insurance unfair.

Good day guys I have to voice my concerns.

I have been a client of budget insurance and Ive only claimed once. That being said over this December the heavy storms that wrenched through Limpopo province and especially close to where my house is in phalaborwa had made slight damages to my house. That being said the damages I wanted to repair was 2 sheets of zinc roof,roof resealing materials paint for the places that got damaged when a few leakes started happening. The evaluation process then happens but telephonically before this they ask me to quote roughly what is damaged and what the pricing to repair would be.

Says pass and they promise to call me. And as this is happening I'm following the claim status in my budget insurance website. Budget insurance then sends a company out to Evaluate the damages after the storms has passed and then concluded that I didn't or don't maintain my property. They cancel my claim and they never even once phone me from when I lodged the claim until it was finalised this week only. Mind you I placed the claim weeks ago.

I am so upset because they penalised me ,removed my cash back and placed it 2 years from now while it was going to be this year if I didn't claim.

So now I have to paint inside,fix my 2 sheets of roofing and paint it qnd paint inside wall paint damaged by myself.

I requested that they call me when I called in myself to finalise my claim and still to today No1 has called me. Even when they went to do the evaluation and was waiting for the storm to pass they didn't call me.

Please explain someone why we have home insurance the company knows the type of property the age and volatility of area where the house is situated but yet we can't even claim to fix 2 roof sheets,paint and plugs.