Claim not being finalised

I submitted a claim early Sept 2017 for my leaking bath and they got a plumber to attend to the bath a week later. Since then I have been sitting with a bath that does not have a supporting wall and 2 contractors that they appointed have turned down my claim due to the scale of work. It's a small wall that they need to build and no one wants to come thru and I'm caught in the middle of that. Nedbank deduct my premiums monthly but when it comes to assist me they need to get approval of 3rd parties (contractor's) They have refused to pay me out so that I could attend to the wall. And unfortunately I do not have the money to do the repairs myself.