Alexander forbes let down

How disappointing to pay home owners insurance and get sent from pillar to post. They send me a notification that we now fall under momentum but when I call momentum they can't pick me up. When I finally get hold of them they say I must phone tomorrow morning to get hold of the claims department. My house is under water due to a burst water pipe, ceiling fell in, we had to turn off the mains, now what do we do with no water until tomorrow? Every month we pay our premium to be treated like this???