FNB Short term insurance are ******

If I could give a negative rating I would. FNB Short-Term insurance (building) is a joke. I received an assessment on 18 Dec 2024 of the roof skirting board that was dislodged due to the recent heavy storm. The area where the board came off is 5.8m high and out of reach, the extent of damage can’t be examined from the ground floor. The erection of scaffolding is required to enable an assessment and repairs worthy of the terms I have signed and the premium I pay monthly. The insurer came back to me to say the damage is R500 and within excess. So the area is 5.8m high and out of reach, we don’t know the state of my roof after the storm, they took their time to do inspections (18 November - 13 December 2024). So what does the insurer reckon about how the repairs will be done and painting to match the new board? It is laughable that I have an insurer who is this shallow and is happy to take my money monthly to pay for this laughable service.