Absa Home insurance Poor Service

We suffered storm damage in June and again a month ago. In June two polycarbonate sheets of our patio blew off so we thought lets just replace it as paying the excess and waiting will take time. A month ago the wind was so strong and lifted the rest of the sheets and another two blew off ...We realized the strong wind lifted all the sheets.We waited two weeks and had to call..as the companies did not come out immediately to assess..The one finally came and acknowledged the wind has loosen all the nails ....The second company came .Indicated that the wind in our area is very strong and all the nails were ripped out..We finally received a call from Absa indicating they will replace .we must pay the Access and they would pay 50% of the cost and we pay 50%. My husband said We have been paying insurance for 37years! We pay the full amount.every month 50% .it thus not acceptable.. I am.patiently awaiting a formal letter so that we can take this matter !