Momentum's favourite line for not paying out claims "lack of maintenance, wear& tear"

I am writing this report to express my utter disgust and disappointment with Momentum Claims Department. I took out insurance to have peace of mind that one day if I suffer any kind of loss that I will be covered and taken care of. When I was shopping for affordable insurance Momentum came on top for Affordability. Momentum also offered what no other Insurance company could offer me. The offer was cover on old aging water pipes. This was music to my ears as one of my properties are old. Little did I know that all my claims will be rejected. The1st claim was my PC. After numerous load shedding events my PC did not switch on one morning. I registered the claim and the contractor came to collect it. The result was, there is nothing wrong with your computer it was only dust. I was informed to regularly dust my computer. Now we move on to my 2nd claim. My defy double oven stop working. The contractor came out and told us it was normal wear and tear and this was not covered. I informed the claims department that I was not happy with the report and they just brushed me off. The contractor did not even take my oven out to check what was wrong. He said the normal wear and tear was that the elements burned. We replaced the elements at our own cost and still the oven did not work. A private Electrician took out the oven it was found that some wires burned and that was the reason. Now you refuse to reimburse me for the storm damage I suffered. You are robbing hard working South Africans.