Standard Bank Home insurance *****

Standard Bank Home loan Insurance, Yearly your Value of your property is decided by someone inside Standard bank, they decide how Mutch increase they want and you are the one who pay for it. I phone and asked Standard bank to send an assessor for the replacement value is verry high on my property. So im insured like totally toooo mutch, and my monthly premium verrry verrry hight. They did send someone and the current replacement value is what they charged me for in 2018. I Asked standard bank to fix the replacement value from 2013 and give me credit on that over charged amounts. But form the 13 March 2024 no respond. In fact they increased my insured amount again. How many poeple is paying insurance on unreasonable amounts??? What should i do to get a response from standard bank insurance.