Bad service

Good day am not happy about the bad service given by Hollard. When they want us to join they promise us heaven and earth. I took a funeral policy that has home content and then my fridge, tv and microwave were not one then I sent a claim they sent people whereby they said things are wear and tear the microwave the fridge power surge then the tv there was nothing wrong only the wire is out they put it back told me its working. Then the driver brought the tv only to find out that the screen was damage called them but they told me my claim was rejected what about the tv that was not broken cause they were going to mention it.