Insurance claim to fix my collapsed ceiling and replacement of cuboards in bedroom

SA Home Loans Insurance are the worst insurance in South Africa, I will not advise any government employee to even go there. These guys will look for any excuse not to pay out your insurance claim. Insurance on building cover for home owners should cater for clients when things go wrong, we take out insurance to be assured that i have backup, in this case i have nothing but high blood pressure and stress. I pay a high premium without being able to claim, how can a client be blamed for things that are beyond your control and then they turn around and tell you that its neglect or pre exiting, or that poor workmanship how is a client responsible for that. I am very unhappy and I wish i never went to them in the first place i truly need help. The situation is so bad that its life threatening if the matter is not resolved and fixed all because they refuse to pay.