Absa Home Insurance Water Leak ****

I have had numerous claims on a 10m water line (R3000+ in excess) absa refuses to replace the line, as requested in every claim. Now Iam sitting with a +- R7000 water account above than normal usage (normal usage subtracted) and absa after the most recent claim still refuses to replace the line. It would have cost me much less to just replace it myself than paying excess after excess on claims. Also in my policy the consultant claims water loss is not covered Iam getting fed up with absa paying almost double than what I use to pay with Nedbank with F###n 1/5 of the cover! They apprently dont do new lines only fix the current leak. Its like having a burst tyre but only fixing the punchers.