DISAPPOINTED 😞

We submitted a claim after the floods in April to have damages repaired. It's been more than three months and we are still waiting for assistance. We call daily to follow up and when we are fortunate enough to get through to a consultant, we are fed lies and empty promises. We have started paying for repairs ourselves in spite of paying our monthly premium. The latest email I sent included pictures and details of damages and repairs. When we spoke to the consultant she informed us that we will not be reimbursed. I don't even want to think about the remaining damages... I am so sad that this is the way Standard Bank chooses to treat us. Where to from here? Do we cancel our policy? Will Standard Bank Insurance refund all the premiums paid to date since they have not done ANYTHING for us in return? Are we forced to repair the rest of the damage AND continue paying premiums? Please help me understand