Cancellation of Insurance policy - High Risk Client

I feel disappointment with the response I got from the under writer from discovery Insure. He cancelled my insurance on the basis of what claims was made to discovery and I tried to explain to the under writer that the contractors are the ones making the money and not me as the client. He will not listen to my reasoning and insisted that he will cancel my insurance. I am prepared to challenge discovery insure to come to my premises and show me what was done in two years that my policy was in operation with them. I live in a lightening prone area. I have taken all the knowledge I have and made my house safe so I dont have to claim but discovery sends unprofessional contractors to my premises to prepare reports on claims and it costs a arm and a leg and believe it its no good talking to discovery cause they will still insist on cancelling your policy. During a tornado storm we experienced water leaks from our ceilings, and the contractor charged Discovery Insure 279000 rands for a job that would have cost 50000 rands. Now I am held at ransom for the contractor over charging discovery Insure. I am sad cause of the way discovery approached me and as a engineer I understand the fundamentals of costing and quoting companies for insurance claims, and not at any given time I over quoted and insurance company or over priced any equipment. I am not prepared to have my name *****ed that I am a High Risk Client. Get your contractors to stop over charging your clients so we can be protected from storms and other damages. Discovery Insure needs to talk to there clients before allowing contractors to work in there premises. We need to know up front what contractors are quoting before work commences. I plead to who ever from discovery Insure to contact me and visit my premises to verify all the cost that the under writer sent to me. Any way Discovery Insure sent me a cancellation letter which will take effect on the 15th of February 2019. I would like to get positive closure to this from discovery Insure and I want discovery Insure to prove beyond reasonable doubt that all monies stipulated on the cancellation letter was spent at my premises. I will wait Discovery Insure Response with urgency.. Its poor business ethics on the part of discovery insure to treat clients cause of contractors over pricing claims. Not acceptable and poor publicity...