House insurance delayed payment

Goodmorning Madam

Your correspondence on reference 23/059763 state clear that you rejected the claim as the result of wear and tear and defects.

All the above damages were not caused by wear and tear ,it was caused by flooding .

Consequently I fix my property while I have the insurance with standard bank ,and thereof I could not take any pictures and keep any invoice because you Standard Bank Insurance, you had no heart to fix my house while it was insured ,even myself I had no interest to keep the invoices of the work done because it was on my cost .

Therefore the current claim the your Accesors came and view access the house during 22 October 2024 flooding in Gqeberha and most of the houses were damaged including my house ,your accessors and appointed contractors they have seen it with their own eyes ,there is no lay .

I therefore request you Standard Bank to proceed with clay and coming with delay tactics.

Your assistance in this regards is highly appreciated.

Your faithfully Mr BE Siyona