Pay but dare not to CLAIM

Last year April 2020, we had a hail storm in Kempton Park, tiles was broken due to the hail, we never before had a problem until the storm. I submitted the claim and had to wait for some time for a contractor to be appointed, as some of them just wanted to paint the ceilings etc. Then at least a contractor was appointed, and has been to my house on a few dates, due to the fact that he did not seal the roof 100% and we still experience the same problem since last year. So this year Feb 2021 we had a storm again in Kempton Park, and the same problem was reported, just to be informed the contractor denied every working on the roof where we have the problem and the assessor was so rude he has put the phone down in my hear, saying its my own problem and that we are responsible for the roof, but the appointed contractor was suppose to fix the problem in April 2020. Then i receive a email informing me that they are giving me a settlement amount, to fix my roof but i must note that the roof is not covered due to lack of maintenance, which is totally not true, we maintain our roof, so i am now sitting with a leaking roof which was supposed to be fix, (and makes me think that the contractor and the assessor are covering for each other, as the assessor is on the contractors side) damage ceilings with water damage and a ceiling busy collapsing due to water damage.

But deducting your money every month is no problem but you better not dare to claim to have damage repaired, because they will go out of there way to proof you wrong and that you are in the wrong. But you MONEY is good enough. But honest offering you a settlement but you are wrong does not make any sense.........so why are we paying insurance