I have a bond with FNB that is about 8 months old and as staff it is a condition of the staff benefits to use FNB insurance products for the house

I have a bond with FNB that is about 8 months old and as staff it is a condition of the staff benefits to use FNB insurance products for the house. On the 5th of March there was a severe thunderstorm and my roof started leaking damaging the ceiling. I logged a claim with FNB and according to the inspector the roof was poorly maintained by the previous owners and therefore FNB will not be fixing the roof nor the ceiling. After 6 weeks of following up the feedback I received was that the claim is rejected due to lack of maintenance. How was I supposed to know the roof was not being maintained? FNB relies on valuation to determine if all is in order with a property not the client. The lack of service FNB has is appalling