Rejections on claims but we must pay

We have home insurance which we pay monthly. I made a claim for our leaking roof and repairs were declined due to deterioration. We have put rubber paint on the roof in order to maintain it but it is still leaking and insurance still wont cover it.

Then we have a built in stove. Plates gave in and the extractor fan. We have also claimed for it but once again claim was denied 3 times because of wear and tear. Problem is that it is a build in stove and the cupboards will have to be taken out in orde r to replace stove.

We also have an access bond and 2 years ago we claimed money and settled an account, however now we having issues with absa not being able to give us that money. We never skipped a bond payment. We pay more on our bond

My problem with absa insurance is that we have to pay monthly and once we claim, then we are given all kinds of excuses. We might as well no have insurance and save that money. At this point it seems like a **** where our monies are just used to pay absa salaries.

Insurance companies are *****ed to the core. Any appliance deteriorates over time but yet we must pay full insurance price over that period. Then with our roof, it was stated that we didnt maintain it but we have used alternative measures to stop leakage.

We do not have money to buy a stove and replace the few sheets of our roof. That is exactly why we use insurance.

Its an uphill battle and I am extremely dissatisfied with absa. Horrible horrible service and they are very insensitive.

They write policies so that the company can gain robbing vulnerable south africans from hard earned money.