Disgusted and Frustrated By Their Services

I am frustrated by Outsurance, disgusted and irritated by how they do services for me, as a client, loyal to their their premiums, but when I have to claim on home damages, I have to fight, scream, call all over, get assistance, basically I have to spend all my energies to get services on claims, that is not kind at all. I have lost hope in Outsurance. My ceiling is damaged, fell off, I sent a claim, they gave me a run around, and then two people call telling me the cost to the job is R2100, that what I qualify for, and I have to pay R2100 as an upfront!!! What? That means I am the one paying, what is Outsurance doing with all my monthly payments? This is not the first time, it happened on the geysers which were faulty, I had to ask my son to get a new one himself since Outsurance gives faulty things, and when you relate all this, they want an upfront payment!!!! *****!!! I will take you to court, I am filing a court claim against you, I am so tired, my ceiling has been down for 2 weeks since I claimed, I have been paying faithfully for the services I am claiming