5 years uninterrupted payments, 2 rejected claims on reasons of wear and tear and lack of maintenance

5 years uninterrupted payments, 2 rejected claims on reasons of wear and tear and lack of maintenance. My bedroom ceiling collapsed, they reject n say lack of maintenance, my gate motor just stops working, ey reject and say wear and tear, how do u maintain a pc board with the unforeseen loadsheddings and sudden rain thunderstorms happening. #StandardBankInsurance is a no good, money pit. Just donating money for nothing. I'm canceling all my policy's with them effective immediate. I courage every just to dump them and get something else.