Nedbank Home Owners Insurance is the worst.... Stay away!!!

I put through 2x claims in the past 6 months and both claims were rejected... The second rejection email came a day after I was informed telephonically that it was approved. I bought a house about a year ago, after I moved in about 4 months later my gate motor stopped working, I claimed for it but was told because of wear and tear it was rejected and poor maintenance. Second claim was when my palisade fencing fell down because of the heavy winds. That claim was rejected because of wear and tear. I mean, I didn't buy a newly built house. I feel Nedbank looks for ways not to pay. Steer clear, choose another insurer when buying a house.