Immoral, ********* Insurance Institute

We have a Homeloan with SA Homeloans going on nearly 17 years and we have had the worst experience with their Insurance section dealing with damages to property caused through events that are completely out of our control. The first time we had a problem was when we had severe storms and it damaged our cameras, intercom, SA Homeloan Insurance sent a service provider who installed cameras that were cheap, when we had Samsung CCTV Cameras. Then our aircon blow due to storm and power surge, we have a power surge breaker installed in our Electrical system. SA Homeloans sent an Electrician first to assess the unit and they didn't know what they were doing. Then I got my service provider which is 1 of the best aircon companies in Durban to come in and give us a professional assessment, which they did and SA Homeloans Insurance couldn't argue due to the fact that their service providers in my opinion are not professionals in that field. Then SA Homeloans service aircon provider proceeded to install the aircon and they left holes on both sides of the walls. The aircon worked for 5 months and then it started to blow hot air. So the account holders phoned SA Homeloans Insurance to state that the aircon is only 5 months old and blowing hot air during the blistering heat months of November and December. SA Homeloans were going forward and backwards as their 2nd "aircon specialist" said that the aircon needs replacing and SA Homeloans Insurance provided minimal to no relief to us whatsoever in which case I had to call Samsung themselves to come in and assess the unit. Samsung technical support performed a professional assessment to unit, they called the aircon installer and embrassed him by stating that he couldn't even install the Aircon Unit properly in which the pipes were leaking gas which is extremely dangerous and Samsung Support told SA Homeloans Insurance service provider that he should stop buying their brand as he is giving their Institution a poor name when he is not installing these Aircon Units effectively. Then we had the storms during April and May 2022 and once again SA Homeloans Insurance said according to their assessors the damage sustained to our property during this vicious storm that took out roads and bridges, was not caused by the storm. So basically they where prejudiced us in a sense by stating that they storm either didn't exist or it was mild and we caused the damage to our properties. Their assessment was so poor because the flood experienced in April 2022 damaged alot of the house but we didn't repair the damages as we waited for 6 weeks before SA Homeloan Insurance could send an assessor and during the second storm in May 2022 which was just as bad, the house leaked minimal so there is a great discrepancy IN THE EXPLANATION BETWEEN the first and second flood damages, they showed such unprofessionalism in their assessment being an agent of SA Homeloans Insurance. I understand that alot of Insurance companies tried their utmost best to evade liability from the storms of 2022 by stating that they won't cover roofs and boundary walls however most people's houses sustained damages to those parts of their property so why pay insurance when it does cover 'Acts of God' or Natural Disasters. They should stipulate at the beginning of the Insurance agreement that they won't be covering Natural Disasters so it allows that consumer to scout another Insurance company that has morals and ethics to cover natural disasters. During our experience with SA Homeloan Insurance, I would never encourage anyone to ever take an insurance via SA Homeloans Insurance, yes maybe subscribe your homeloan with them but try as far as possible take out house insurance with another company.