UNFAIR CLAIM REJECTION

I HAD A GEYSER BURST IN JANUARY AND MY HOME CONTENTS WERE DAMAGED AND DURING THAT TIME I WAS UNAWRE THAT I HAD A COVER FOR HOUSE HOLD CONTENTS WITH AFI. DUE TO THE NATURE OF DAMAGES CAUSED I THREW AWARE THE CONTENTS AS THEY WERE NOT SERVING ANY GOOD PURPOSE ANYMORE . THE GEYSER DAMAGE ,FIXING THE CEILING AND PAINTING THE UNIT WAS FIXED BY THE PROPERTY BODY CORPORATE. AFTER MY PREMIUM WAS INCREASED I WENT THROUGH MY POLICY SCHEDULE AND REALISED I HAD COVER FOR HOME CONTENTS. ON THE 31/03/2016 I MADE A CLAIM AND FOLLOWED UP WITH THE CLAIMS CONSULTANT TO MY SHOCK I RECEIEVED THIS RESPONSE A MONTH LATER : The file was discussed on Friday as promised and management has decided not to accept the claim due to late notification and also that we were prejudiced as we were not granted the opportunity to assess the damaged items. A formal rejection letter will send to you within 8 working days. THE ASSESOR HAD REQUESTED ALL PICTURES WHICH WERE TAKEN BEFORE THE GOODS WERE DAMAGED , THE CONTACTS OF ALL RELEVANT PEOPLE , CONTACTS AND THEY ALSO COMMUNICATED WITH THE BODY CORPORATE TO CONFIRM THE DAMAGES ALL THEY NEEDED TO KNOW. MY EXPERIENCE WITH AFI HAS BEEN HORRIBLE FROM THE BEGIN WITHTHE LEVEL OF SERVICE I HAVE RECEIVED HAS BEEN A DISGRACE. I HAVE ALWAYS HAD TO FIGHT FOR THEM TO HONOUR MY CLAIMS. PERHAPS ITS ABOUT WHO YOU ARE WITH AFI BUT I HAVE BEEN LET DOWN BY THE INSURANCE I SO MUCH PAY MY PREMIUMS WITH HONOUR IN HOPE THEY WILL BE THERE FOR ME WHEN I NEED THEM MOST.