Nedbank insurance a NO NO

My experience with Nedbank home owners insurance was very bad. I logged a claim in November 2018 which they rejected and partially approved by report of one of their service providers, I did what they've asked back then and replaced my house roof. This year January 2020 I logged a different claim for also damages, this time the report and suggested quote from another service provider was submitted to Nedbank, with my understanding they didn't excepted the report and quote, then they send out an assessor a week later, just to have my claim rejected again, but the sad part of All this is, if I didn't claim in January 2020, the partially approved claim back in November 2018, would probably never been paid. Now they realize but wait we never paid the partially approved claim. House that for convenience when your insurance company keep your claim pay out for almost two years. To top it all was, my claim handler didn't even contact me herself, someone totally clueless of my profile calls me to inform me. So if I'm you and wanting to do business with Nedbank, I would thing twice before agreeing to something.