Deeply hurt

We are currently sitting with a huge issue with structural damage at our home. My wife phoned Standard Bank about this issue and they requested for an assesor from the insurance to come and assess and investigate. The guy that they sent to assess my house was nor a qualified engineer but the builder that they use to fix the houses that are insured by them. He still said to us that he is the builder/assessor that the company uses to investigate problems like ours. He took pictures with his phone and said that he will come back to us with ab answer which he never did. My wife had to call the insurance bcos they didn't have tbe decency to get back to us with feedback. They then said our claim was not approved due to some structural damaged caused by movement of the earth.(if ever something like that exists) Now my question is... Why do we still have a insurance but we cant claim for anything. We are payin so much money to these insurance companies, just to be declined without any valid reasons and the unqualified people they use to come out to assess and investigate our houses. I went to see a lawyer and he said that were going to build a case against the company for not using proper and professional resources to deal with my case. I am going to fight this case to the very end bcos its not fair of them to take our hard earned money and deal with my issue in such a unproffessional manner. And for Standard bank you should be ashamed of yourself by using these types of insurance companies u are rated highly by many of us but look at how you treating your loyal customers. I am considering moving my bond and cut ties qith Std bank completely