Unfair treatment - FNB treat their customer like trash

I have experience worst service ever. We had joint bond with my late husband. The bond which included the home insurance were coming from his account since he was also stuff member. After his passing late last year I attempted to claim for leaking roof , I was ignored until I need to change the insurance into my name that's when I got attention. I was told that I cannot claim because I was not the one who was paying meaning that the insurance is not in my name never mind that I am executor for my late husband estate and also we had joined bond. That time I made sure that the bond was paid after his passing for more 4 month ,the insurance was cover however they refused to cover my house. I then asked for the refund, I was told that the insurer was meant to pay for the claim by the same department and I responded saying that yes thats what I expected but FNB refused. After that no one ever entertain my request, I guess because I am no longer their client and really careless which ever way I feel