Inhumane, Pathetic, Unreasonable *****s

We live in a security complex with electric fencing, a remote controlled gate and CCTV cameras. A ***** still managed to break into our flat while we were asleep and stole a bunch of valuables, we woke up feeling nauseous and extremely out of it that morning and realized something must have been sprayed in our home, the ***** took valuable items in our bedroom which meant he was centimers from us. We immediately contacted police and opened a case that morning. We're still experiencing PTSD after the incident. Santam refused to pay out because there are no burglar bars at the kitchen window, we are tenants, living in a security complex, it's not like we can put up burglar bars with the snap of our fingers, we have no authority, we already asked the owner of the flat to insert burglar bars but the owner said he is no financial position to do so, so how is this in our control? Why are we paying for insurance? I am totally shocked and disappointed about the whole situation. Santam looks for reasons not to pay out, they've lost a client, but I can promise you they couldn't care less either. I guess it would be best to rather cancel all insurances and open a savings account and rather save money for horrible days like these because clearly insurances like Santam just want your money but never pays out. We are so relieved that we were not harmed in any way by the *****, we just really re**** on Santam that they would do what insurance companies are supposed to in situations like these. Their clearly not an insurance company, their *****s too.