Momentum again not honoring claims.

I logged a claim on my Momentum shot term insurance policy for the ceiling in my lounge collapsing. The assessor Willem Koekemoer came out the next day (being an hour late) did the assessment and told me that he recommends that the ceilings be replaced and the walls be repainted. I waited to hear back from Momentum but no reply. I phoned today and spoke to Adam who told me that my claim had been rejected. I told him that i was not happy with the assessor and another assessment must be done. Momentum only deals with 1 assessment company which is utterly ridiculous since they will send the same assessor that came to do the initial assessment. I spoke to Adam's manager Ntakadzeni Netshisaulu who informed me that i must get my own assessor which Momentum will pay for. This secondary assessors report still has to go to Digicall to make the final assessment and if they rejected the claim in the 1st place why would the outcome be any different. Momentum Insurance company as a whole has a history of not paying claims which was in the media not to long ago and it looks like they are continuing down that path again. i hope they lose more customers since their service and assessment agency (digicall) are terrible in helping clients. Thanks god this was a small claim -what if something happened to any of my vehicles or my house burnt down. I WILL DEFINITIVELY BE CHANGING MY SHORT TERM INSURER TO A COMPANY THAT HAS MORE ETHICS THAN MOMENTUM.