Pathetic Service

My wife and I purchased a home through FNB close to a year ago. Fnb advised us to use Outsurance as they were contracted to FNB the process will be more efficient, so we trusted our bank and used Outsurance, we were asked to pay upfront for a year, which we did. NO PRE INSPECTION OF MY PROPERTY WAS DONE. We have experienced rain from around November/December in our new home without any problems with leaks but in the last month due to the sever hail storms the roof sustained some damaged and stated to leak. My wife contacted Outsurance, who sent out a contractor who informed us that the roof was damaged. Outsurance then sent out Amarasen Govender an assessor apparently who informed my wife that the roof will not be covered. My numerous attempts to contact him has been fruitless. I then spoke to Daniel Moleko who informed me that it was a maintenance issue and was told to take it up with the previous owner and read the fine print. My roof did not leak previously so how is the previous owners responsibility. This is the Problem a person experiences when you trust your bank. I am now sitting with the problem of a leaking roof and Outsurance and FNB have taking my money and gone.