Miway what a nightmare of insurance,I’m traumatised

I have never in my wildest dream thought that in 17 years of my steadfast commitment of paying premiums I would have to defend my need for coverage from insurance.

That time I am told the reason for rejection of my claim is “defects in the design of my house” or “construction of my building “ or “construction structure/alteration”. Of the 3 mentioned I don’t know which one is applicable to the reason for rejection or if it’s all of them, but the issue is water intrusion into my property due to recent rain.

I am not able to continue with disputes cause a complaint I send on 4 February requesting clarity of which one of the reasons they mentioned are applicable to my property and how was the conclusion reached to date there’s no response, and I’m seating with a ceiling that has water marks which might even fall.

I also want to know why they have been taking my premiums since I took ownership of the same house with the same design and construction if this is the base for rejecting my claim. I have never seen an insurance going this length to fabricate reasons to reject a claim like how miway is doing it. I always thought it’s normally genuine reasons that will warrant an insurance to reject a claim.

I also wasn’t aware of Miway’s trends of fabricated and unfounded excuses to reject claims, I had always thought it’s a reputable company.

I need answers before my house deteriorate,and I’m shuttered by this experience, very traumatic for someone who had never had to deal with such with the other insurance companies I have used in 17 years.