Momentum not paying out claims to clients

I recently had a lightning claim with Momentum, been with them for 5 years, it was my first Home content claim, They did not pay out, very bad service and very rude employees. They sent a technician to come and inspect my sound system for the lightning damage, me and the technician inspected it together and everything was fine, the next morning the insurance rejected my claim due to tampering, the technician took the system home and broke chain of custody, still momentum refused to pay out the claim. I also had a moto vehicle claim about 3 years back, the claim took 3 months to pay out. I would never recommend Momentum insure to anyone, they look for reasons not to pay out, please be very careful.