Help - "Less"

We've recently moved to a new home (5 months ago) after living at our previous address 20+years. Being a loyal customer of Outsurance for years and most probably one of the one's that almost never claimed. This past weekend (6 Apr'24) was our first really good rain, this is when we realized that our roof is leaking and boundary wall is in need of repair. I've contacted Outsurance that Monday and they send an assessor Tuesday to our property. So the assessor said they don't deal with boundary wall repairs unless it's something like someone driving through your wall or a tree that fell over onto the wall... So the assessor got on the roof and took pictures to show how the roof looks like. (we obviously don't know because we're not qualified to get onto a roof so we had to take the real estate agent and previous owner's word that the roof is in good maintained order as stated in the sales agreement) The assessor also had a look at the back door and frame that was also damaged with all the rain. So the outcome of the claim is actually a slap in the face. They giving us a cash payout without any assistance to get anything fixed. We have to look for our own contractors to come out to assist with fixing the roof and someone to come fix the door and frame. Outsurance not even referring any contractors or anything else from their side to help in this matter. So this is actually costing me more to go through Outsurance than just doing everything myself from the beginning. Which I have to do in any case. Outsurance obviously took our monthly fee for their service and cover, they are still taking excess fee (which normally the customer pays directly to the contractors - there is NO contractors - so this fee is for just punching some keys on a computer) and then also being told just remember that your Outbonus that is due to pay out this year is also now forfeited. So who is paying who for "service/help" Also just a heads-up if you are looking at getting Life Insurance at Outsurance think twice. You really almost have to die before qualifying for any payouts on dread decease cover. Read your fine print carefully.