The Yellow Umbrella Covers SANTAM and not its clients or their service providers!!!!!

Finally I know what the Yellow Umbrella represents - it covers and protects the SANTAM name and brand to the total exclusion of its clients and their service providers SANTAM have rejected a service provider claim of R20k - this despite the Loss Adjustor fully supporting and recommending the claim - supported by source documents and photographs to prove that the work, as claimed, has been done. Where to now for me? - I am R20k out of pocket and I am a sole proprietor who cannot possibly afford to fund a huge insurance house like SANTAM Going the Insurance Ombudsman route will use even more of my resources (both time and money) which I cannot afford at this stage as I have already lost R20k.................................. When reading all the negative press about SANTAM on this portal, and on other forums, I note that non-payment to service providers / clients is a trend on a trajectory in only one direction - to the total benefit of the Insurer and to the detriment of clients and service providers . SANTAM is there to mitigate loss but they get it wrong and all that they are doing is exacerbating the loss.