Useless insurance

I am insured with Ooba insure and on the 18th of August 2024, I reported to them that I had a burst pipe on my property. Claim no: OOBA***. After many calls and complaints eventually their service provider came to fix the leak. After fixing the said leak, my water meter was still turning. I reported this to Ooba insurance and was advised to open a second claim (even though it was the same complaint) and I had to pay an excess of R850 for something that was fixed!!!!! To date, the leak still hasn't been repaired. Ooba insure asked their service provider for a quotation, which was submitted and was in the region of R8000, they then sent an email to the service provider to amend the quotation and now they are only willing to pay R3900. Is it ethical for the insurer to request an amended quotation?? After all, it was their service provider that submitted the quotation. It's almost a month and the leak still hasn't been fixed. I have made so many calls to this company and no one returns any calls. I have now decided to sue with costs as my municipal bill keeps escalating and there is no resolution. PLEASE DO NOT INSURE WITH OOBA INSURE