We suffered damage to our ceiling boards after the most recent flooding in KZN

We suffered damage to our ceiling boards after the most recent flooding in KZN. A claim was lodged with Santam which took weeks to investigate with no feedback from the assessor or insurance company until the claim was eventually repudiated on the 5th of May 2025. The reasons for the repudiation have still not been furnished and and I was advised verbally that the storm damage was rejected as a consequence of the insurance company alleging that the damage occurred as a result of prior leakages occurring over an extended period of time which was absolute nonsense. The inspector himself could not guage where the leak occurred as the roof had no broken tiles. I have never previously submitted a claim for storm damage to my home structure. I am disgusted with Santam's poor service and unreasonable repudiation.