Granny having its own valuation and insurance in addition to the main house

Making things even worse, a certain Johan called me with regards to this complaint and came up with another dubious explanation. His explanation was that the other agent was mistaken to say that a granny flat must have its own cover, however, he said it needs to be specified "specified separately" on the same policy. Please note that the granny flat in question is having IBR roof sheets, which are a standard roofing material. His reason for the so-called different specification was that the "element of risk is different". When I asked him to give me the so-called "difference in risk" between IBR roofing and roofing tiles, he could not. Instead he promised to call me back, which he called did when I was in a meeting, so I couldn't take his call with a hope that he was going to call back. He never did. Instead, they sent me what was called an updated schedule which had some changes in the amount to be paid. The amount that was quoted to me as inclusive of SASRIA, but the new schedule they sent now charged an additional SASRIA amount. I know SASRIA amounts are small at around R21,78 in the case of my building's insurance, but it doesn't mean it must be charged double as it was already included in the R758,37 that was quoted.
In the "updated" policy schedule, they have also made some changes in my car policy.
I am really starting to feel differently about what I thought was a good insurance company as my other review had previously indicated. It seemed I commended them way too early. Time is beginning to show me something else.