Bad service

Complaint regarding claims not paid: policy number: ***-Old Mutual Insure

I have been with Old Mutual Insure for the last twenty years. My claims to them were minimal over the years. I am appalled at the manner in which I have been handled with my last claim. We had severe storms in December 2020. I reported damages to my roof and ceiling (leaks) which resulted in my floor being flooded water; the leaks also damaged the kitchen cupboards. The accessor came to view went up to the roof and then a few weeks later the contractor came to access the damages again. Took measurements of the ceiling. Thereafter my insurance confirmed that the claim has been rejected. To date to today I am still await the rejection letter with reasons why the claim will not be honored as I would like to take the matter further. Old Mutual supposed to leave me in a livable position but it seems that they have left me in a worse predicament. We are not asking Old Mutual Insure to give us anything for free this is something that I pay for without default. What's the point of paying exorbitant premiums for 20 years and not getting any satisfaction on service, do they actually expect me to repair these damages whilst I am insured, this is a ridiculous ask. I no longer have trust and confidence in this company as my policy does cover what was claimed for.