Bad service

The night of February 24 the geyser burst and the next day and got the ref no for the claim 932815. Firstly I Had to skip work waiting for someone to came and evaluate the damage, of which they decided to reschedule on the day of the appointment. And they said they did not cover the geyser. I paid for the service. <br> 2. Then I struggled to get the to come and fix the ceiling and paint the wall that was damaged by water. It's been 2months now the job is not finalised. Every time I call I'm been promised that they will came back to me after investigation. And this is not the first time this insurance has done this.. Last year I had made a claim after the circuit breaker from the main switch caused sparks which almost caused an electrical fire, I spent a week without electricity waiting for them only to be told it is out of their due restriction and they do not have electricians around my area, I ended up having to find an electritian who would re-wire my property and pay from my pocket! Why was I not told this when I signed with them?