Absa takes installment but rejects claims

So I live with my dad, and he has been insured with absa insurance for many, many years (20+ years). Everytime I logged a call for insurance, and the assor comes out... The claim always gets rejected due to poor maintenance.

We logged 2 or 3 claims for our roof at different times of the year, and all rejected. We then maintained, we painted, rubberized the roof and still the roof leaks all over the house. We have pine ceiling has moved and not knowing the condition of the wooden trusts that holds the roof. They only looked at the roof from the top, and never go in the ceiling to assess the roof from the inside...

We logged another call recently for our wooden garage doors.. The cable and springs snapped. The door cannot be opened electronicly, so our car is stuck in the garage.. The assessor came out and advised how best he can assist and yet rejected the claim. How do we maintain a garage door that never needed maintaince.. Or how do you fix something that is not broken??? Yet absa charges 1600 a month just for house hold insurance, but always gives us an issue when we need them to help us.. The claim