Insurance not taking accountability for their contractors mistake

In March 2026 my geyser had an issue I asked my insurance to send a plumber to have a look but the plumber said its not plumbing related issue, it was electrical issue, which the insurance send the electrician to fix the problem which was only for a night the next day the main switch was on fire 🔥 I had to call independent electrician to check what was the problem. He realized that there was loose connection which made a huge damage and he fixed. I phone the insurance to take accountability but still two months later no one bothers to assist me from nedbank home insurance. If I'm the one at fault the insurance is quick to decline my claim but know its their own contractors they sending me up and down.