We pay for services we don’t receive

Took out a bond with these guys in 2018. Claimed during the April floods 3 years ago for a collapsed retaining wall , precast fence and carport which fell on my car . Absa sent bathopele construction to fix the damage that was caused in April , in August . Their excuse was there were too many other claims and I had to wait my turn . No one cared about my inconvenience yet my debit order was still going out timeously yet I wasn’t receiving a service I was paying for. Took these fools 3 tries to erects the wall . Fast forward three years later . The wall is cracking . The house is leaking due to the carport being installed without being waterproofed. Call Absa in Jan 2024 to have them send a guy by the name Of Tyrone who was an ex employee of bathopele construction. He did an assessment and wrote a report to the bank that my house was damaged due to negligence on my part. I asked this Tyrone guy, what’s your qualifications to make the conclusion that you did , turns out this guy is a plumber but was sent to assess my property. Of course he was going to cover up bathopeles incompetence and blame it on me. I contacted Absa explaining why I’m not happy with the outcome . An engineer was then sent to my property who agreed that the wall was done incorrectly so was the carport and the damages were not due to negligence on my part. The claim was then approved for work to be redone . Today is the last day of the year . No work has been redone . No communication from the bank , even the loss adjuster is saying that they’re not communicating with him either . A year has gone by and I’m still stuck where I started . What am I paying for?