Household Insurance

I opened a claim for my aircons which are no longer working, they've been taking me from pillar to post since March. The 1st assessor came & he found out that apparently there were copper pipes which were ****** from outside which were not aware of because the aircons were just blowing air but not cold air. Then the sent a second assessor who gave them a report that they aircons are not working because of not being serviced, so they cam to a conclusion of rejecting my claim. please help because I feel ooba is *****ing from us because they hardly pay claims.