Bad Service by FNB and Hollard

I took my Building insurance with FNB which happens to be the broker and Hollard is the underwriter. I made a claim in Nov 2022 for leakage from my sons bathroom which seeps through the balcony slab into the garage. The Accessor’s findings were inconsistent as they said there was no cover for waste damage and only on the 3rd camera detection the findings were an incorrect pipe installation. My problem with their findings is that upon inception of my policy FNB advised me that all claims on the building structure were covered. The insurance did not inspect the pipes nor request a plumbing certificate or a COC form myself. It is only now on claim stage when the decline the claim to repair the pipes and inform me of incorrect pipe installation. My issue is how could I have known of the alleged incorrect installation of pipes and why didn’t the insurance and the bank inspect my property prior to debiting my account. Why did the bank say to me everything regarding the structure of my home is covered.

FNB and the Hollard must pride answers to my questions raised above.

I want the insurance to repair the pipes and damage period.