CLAIM REJECTIONS BECOMMING THE NEW NORM FROM INSURANCE COMPANIES

Momentum insure, shocking rejection of claim from the same contractor assigned to the claim. Why should we have building insurance, theft protection etc when everytime you log a claim, they send out the same contractor to evaluate and his reports is the same as the previous, over 1 and a half year ago, advising the insurance company not to grant the claim, but rather to reject, after doing all they wanted, repaired everything as per the contractor, and still its not good enough. What claims will they reject going forward??? They are quick to phone when the debit order is not received, but when it comes to a claim, no one wants to assist. this is pathetic . Now they call it lack of maintenance, but all was repaired more than a year ago, how are we suppose to know a roof etc is leaking when it doesnt rain, and now when we have a huge storm, then only 1 can see the fault??? Long story short, we bought a home, roof was leaking, called the insurance as it was on our building insurance, contractor send, claim rejected due to "lack of maintenance" so we got the funds, re did/seal the whole roof, painted etc, a year and a half later with a few massive rainstorms, problem again with leaking roof, re sealed again, leak done. A few weeks back, big hale storm etc, roof leaked again, called the insurance, they again send out the same contractor, exacetally same report as previous, again lack of maintenance, but his fotos clearly indicate the repairs we did. As per his advice to the insurance, REJECT CLAIM, LACK OF MAINTENANCE.