Indwe Risk - Hollard and Brolink nightmare

I've had a building insurance policy with Indwe as my agent since 2012, and Hollard has been the insurer. My garage door collapsed in July 2022 due to a bottom panel failure that occurred as a result of exposure to rain. I filed a claim with Indwe and was told that the garage door failed as a result of the pulling strings not being maintained. I am still awaiting an official report from Indwe.

I discovered in December 2022 that the second garage door shared the same problem as the first garage door, in which the panel door is loose and on the verge of failing. Following my calling the assessor to request an inspection, I received the following feedback:

claim number:- ***0*003*006 "The information at our disposal, the claim may not be covered in terms of your policy. The claim was referred to the Insurer for their opinion on cover and we are currently waiting feedback.We will be provided feedback within 10 working days once all information has been received on the claim."

According to our brief phone conversation with Brolink, the administrator, it is apparent that temite is growing on the bottom panel of the garage door, thus it will not be covered. I find it weird that the first garage door that failed in a similar way was rejected because of poor maintenance, which I dispute, and that now this door is being rejected because of termites even though the door clearly reveals that the panel is failing as a result of being exposed to water. According to me, Indwe, Brolink, and Hollard will take every necessary step to avoid settling claims. The doors indicate that they are maintained, but the insurer makes it a point to never settle any claims.

What is more shocking is that a neigbour who had a similar failure , Absa was more than willing to replace the door which they did.

Where is assurance in all this when large corporations continue to ***** from defenseless individuals in the name of insurance?

Indwe was formerly the most expensive but best insurance, but those days are long gone.