Sa Homeloans insurance sucks!!!

Poor, poor service from SA Homeloans Insurance, claimed for a pool filter that cracked overnight due to the cold and they refuse to pay the claim. Claim number CL***. Logged the claim on 16 July and a week later i had to call them again as no service provider had contacted me as promised (supposedly they have 48 hours), anyway, on 2 August i had to contact them again as i still had not been given any feedback on the claim after the service provider had come out (after my 2nd call)....i told SA Homeloans Insurance what i thought of them and that they are "****ing useless" (this after being given the run around since 16 July and they wanted me to leave a message once again for the claims consultant (Leanne) to call me back, after i had already left a message the previous day and they promised to call back and didn't). Within approx 30 minutes of me telling them their fortune, i receive an e-mail telling me my claim had been rejected....amazing....was my claim rejected for valid reasons or because i told them what i think of their service? By their own email admission they state the service providers report is inconclusive as to the reason for my pool filter cracking....now they want me to pay an expert to access the damage and lodge an appeal if i want to.....watch out, SA Homeloans is a great company, but do not use their insurance, this is my 3rd claim in 10 years and all i have ever experienced is problems with their insurance side....they suck big time!