Worst service

SA homeloans insurance is the worst ever. It is always a struggle to claim. My gate motor is faulty. I got my SP to check and they suspect it might be lightning damage, the motor needs replacement. I logged the claim and requested to use my own SP. SAHL insisted that their contractor "come and check", which I don't have a problem with, and they came. However, I feel I was treated biased by SAHL and their contractor, as the contractor is not gaining financially by my claim, it was reported that it is due to maintenance and insects that caused the problem. What maintenance?? Due to all the rain we had Dec, off course there will be dirt and insects. Now I need to get "the contractor needs to be a qualified building contractor or structural engineer". Honestly?? I would love to see their contractors qualifications match this. The contractor did not react positive to me either, as they are aware that I want to use my own SP. And SAHL insurance will do anything not to pay my claim. This is a security issue for me as I live alone with my 79 year old mother, but who cares? Not them. Maybe because I am a woman they think they can mistreat me the way they did. I pay insurance every month, but for what? I am sick and tired of the way woman get treated in this country.