Worst Buildings Insurance

Nedbank Insurance does not give feedback and claim false reasons for rejecting a claim. In June this year due to cold weather the tiles in my property lifted and cracked (known as popping tiles) - a 100% natural occurrence (supposedly covered by the policy in place for 14 years)... But according to them, it was caused by Landslip and Subsidence. If this really occurred, surely cracked walls or lifted paving would be visible??? I have asked on MANY occasions to proof that this happened as no other house in the complex was affected by this? They simply do NOT answer mails and the Ombutsman agreed with their findings, even if proof was supp**** that this never happened. The assessor sent out stated the tiles had no expansion gaps, but never looked under the skirting - yet when I pulled one out, there is a massive gap between the walls and tiles? They also refuse to send out another assessor as requested. This lack of service and feedback is delay tactics to then state that claim can't be paid due to time laps...