One of the worst Insurance companies you can ever have

SA Homeloans Insurance is one of the absolute worst and waste of our hard earned money to have. The excuse used on insisting on having building insurance by them is simply to safeguard against damage in unforeseen circumstances. This is understandable and the reason a lot of people take out various types of insurance. As far as our experience with SA Homeloans Insurance goes thus far, they are just rogues and their "building insurance" is just legalized *****ing. We have had 2 incidents with our roof since they insured the property 5 years ago, both times they use the excuse of lack of maintenance with the added threat that we need to have it sorted out or they will not entertain any further claims. Yet they take the money every month and refuse to cancel the building insurance. The first time they sent a guy who took pictures of the roof so they have those and when they declined we took a loan and had the roof redone. 2 years later, possibly due to ******s, some tiles on the roof are cracked causing some damage to a portion of the roof. We only noticed after the recent rains when it came through the roof. I'm sorry but we don't regularly go onto the roof so we did not suspect anything previous to this. The guy they sent through, also took photos and they have them. The old roof tiles (original) were a completely different kind and actually no longer in production, when we redid the roof about 2 years ago, New tiles ( Roman) were put on. SA Homeloans has these pictures yet still decline using the excuse of lack of maintenance. Their consultants are very rude and arrogant even suggesting we take a loan from them to have the roof sorted. What is the point of paying for the insurance meant to cover you in times like this if they really won't? At the end of it all, all they want it your money and are experts at coming up with excuses not to fulfil their end of the deal and making things very difficult. Yes they have then a grievience route. Besides it being a time waster as it will take you forever to get them to give you any kind of answer, and you will be going back and forth while your property just deteriorates further. You are the only one at a loss, they are smiling as you pay them and still have to dig yourself deeper into debt to sort something out they should have.