Disgusting Dotsire

I have been insured with Hollard since 2019 and was moved over to Dotsure , currently paying almost R2000 a month. I had no claims prior. On 5 June my house was flooded with waste water that pushed back into my showers and baths. I called Dotsure that afternoon and 2 x claims were registered, one for house damage & one for content. I was requested to submit photos and documentation, which I did. I reveived a call on Friday 14 June and informed that they are not sure how tonhandle this claim. Then on Friday 21 June I was informed telephonically that the claim will not be covered by my insurance. The lady explained that my policy have exceptions, bit when I asked under which exclusions this is I was asked to hold on as she didn't know. She then came back to say it is not under exclusions, but it is not an insurable event therefore they will not cover. During the conversatuon the agent also made a comment that they have not had a claim with such a high amount - thus make me think that because of the damage they are not willing to pay. My floors were damaged and needs to be replaced and this means I have not been able to stay there since 5 June....almost 3 weeks i have been moving around between friends I feel it is disgusting that Dotsure finds it acceptable to take my money every month, bit theynare not taking responsibility in ensuring that I can move back into my home .

Please.think twice before taking insurance with Dotsure .... I do not know what I am supposed to do, all I want is to go back to my house