FNB Insurance is the worst!!!

With the recent rains and heavy flooding my roof started leaking through my dining room ceiling, it rained continuously for a few days and never had a chance to prevent any further damages. When the rain stopped i got onto the roof and waterproofed and membraned where i though t the issue was, i stopped about 80% of the leak at my own expense while the insurer took 2 weeks to decide to reject my claim due to neglect while it has been raining within those two weeks. I have spend over 25k for the year so far maintaining the roof and have the proof but apparently its not enough for FNB and they still see it as neglect. They expect you to climb on your roof monthly to do maintenance!!! I think they are overburdened by all the claims due to the weather and using any excuse to reject claims!!!