Unimaginable Response to Home Damage

<p>I have had household insurance with this company for almost 8 years and paying an insurance premium of +- R120 Monthly and recently I lodged my 1st claim. My geyser gave in and I never noticed any change up until a piece of my ceiling was damaged an I patched it up as the damage was not as extreme and I was not aware that I can claim to have that replaces as the damage was a direct cause thereof. I contacted the company who sent out a replacement geysor however was informed that they will not cover this. I am confused now that it's structural and through time without knowing that my tiles in the bathroom started falling off and mould started festering inside my walls and my roof damaged more as a direct result of the water damage and as it's structural. Even more frustrating is that I received a a letter from SA home loans stating that if I do not fix the damages at my own cost and send them proof of the repair within 90 days they will cancel my insurance. The problem is I had gone through immense financial troubles and still am and simply cannot afford to fix these issues at this pointment in time. Why do we then have insurance when we are not insured. I am left disgusted at the inconsiderate letter and response received in this regard as I feel that we should be advised exactly for what we are covered when doing an application to select SA Home Loans.</p>