Bad service & incompetence contractor by SA home loans

Hi there, I had a bust geyser last year 23 December 2024 it was replaced with new geyser and complete new installation however one month down the line my geyser pipe was detached to the main line where it supply hot water I called SA home loans insurance they told me to lodge a fresh claim in fact I was forced to due to poor workmanship while installing the geyser and the gentleman by name Vukani who assisted me the last time same gentleman advice me to do that upon my argument with him I asked him that the geyser is just a month old why was being forced to lodge a fresh claim he answer was that if I want to resolve the matter earliest I would have to lodge a fresh claim, what I don't understand is there no warranty on the workmanship because where they work the last the same place the pipe was detached yet the contractor got paid twice for the work which he did poorly and I was the one who occurred financial loss I was told I shouldn't worry for excess as I have paid in December one excess already, so the contractor received fat amount of money twice for the work which wasn't up to the standard and I was told that no one would compensate me for my loss yet I have provided all the relevant pictures to prove that the installation was poorly done, its heart breaking that as a client I am treated like a garbage I am annoyed by the service was rendered to me Vukani he's is not neutral I informed him not to send the same contractor to attend to the geyser second time because we would not get fair assessment yet he still send the same guy's to fix the mess,this clear that as a client one won't be treated fairly to save the contractor.....a I was told by Vukani that I should get a independent assessor at my cost to view and assess the work and provide a report at my cost as a client and he would review it wether it's poor workmanship or not? My question is what if the independent assessor mention that it is poor workmanship will sa home loans will provide compensation for all the mess ???