Does not honor agreement

Last year I moved from dial direct to santam because a friend of mine had recommended them for their high claim settlement ratio. My pool started leaking water and I logged a claim under building cover. After the assessor came I was told the crack was caused by the shifting of the earth and this was not covered by my building cover product. I found this quite strange as the policy covers me for natural disasters. I am extremely gatvol with the treatment from santam, after all the reviews about their good reputation. I am currently in the market for a new insurance policy that honors its promises.