Accountability

Hi there let me express my utmost disappointment with how my claim is handled by Hollard. On the 30 the November 2015 last year I claimed from Hollard via my broker Commrisk for my content which burnt on my lapa room. I was told to look for repairing quotes which I did there after Hollard appoint Loss Adjusters and the Assessor instructed me to now look for replacement quote which I did. After Assessors report was submitted to on the 2016/01/05, Hollard REJECTED the claim few hours on the same day 2016/01/05 stating that I didn't declare that I have a lapa, which is not true I have since send them on the 2016/01/05 an email where I clearly disclose that I have a lapa. They promised to comeback to me yesterday 2016/01/11 after my claim was referred to the Underwriting Manager on the 2016/01/08, today is 2016/01/12 over a month since I claim and no one want to take accountability, what loop holes are they looking for, now I am being told that they are communicating with Loss Adjuster about my claim , for what as he has given them a report which they have taken a decision to reject , is simple no one at Hollard want to take accountability , everyone passing the buck