Disappointed with Handling of Claim

I am very disappointed with how my insurance claim was handled. My policy clearly states that damage caused by subsidence is covered. However, when my swimming pool wall cracked due to subsidence, I was told that they would not cover the damage. This feels like a clear contradiction of what the policy promises.

Although I did receive a payout, the amount was far below what is actually needed to repair the pool. All the quotes I’ve received are R20,000 or more – which is a realistic market rate. It’s frustrating to feel as though the insurer either underestimated the costs or simply didn’t do proper research.

I expected better service and clearer communication. What’s the point of having insurance for subsidence damage if you’re going to find a way to not cover it properly.