Worst Insurance Ever and even Worse Treatment by a consultant

Today is day 5 that we do not have jot water due to a geyser that burst. SA Homeloans was not prepared to open the roof to replace the geyser, The consultant just refused to listen to any reason and was addiment we have to move the geyser to the outside. Not listening to the fact the we do not have the funds to move the geyser now. Instead he send us an offer so that we replace the geyser our selves and any additional costs was for our account. Friday 14th July we received a phone call from the consultant stating the funds will be in our account before close of business on Friday so that we can go ahead and replace the geyser. I have to cancel the plumber on Saturday as no funds were available yet. This morning I spoke to SA Homeloans again only to find out that the claim was approved but no payment was made, hopefully it will be done today. The worst service from any Insurance company ever. And that with a baby in the house!!!!