Pathetic service from OUTsurance

As we know Natal had a flood 3 weeks ago. We are having water interruption, no electricity and our roads and bridges has been compromised therefore i have been losing business. My business has been insured with OUTsurance for 9 years with out any claims and I have never missed a premium. When I decided to claim for business interruption they give me the run around like I have not been affected. Why is it such a hassle to claim but when we take a policy you make us feel as if it is so easy to claim, even those adverts they make you believe its so simple. Why is it such a hassle? Live up to what you advertise and make peoples life easy. Have you heard of actions speak louder?