Horrible service, quick to collect money and extremely quick to reject claims

Horrible Insurance. Been with Standard bank for over 8 years and had 3 claims of which I had 3 claims and only one was approved! Last year, with the tremor I claimed for my wall, claim was rejected due to poor maintenance my question was how (newly build wall) got rejected based on old Google pictures [what a joke]. This year with all the rain we've been having my roof started leaking, I logged a claim. The lady who assisted me advised the contractor will be in contact with me, no one called, 5 hours later I called back to ask was the claim logged because ive had no sms to confirm the claim is logged nor had a call from anyone, I was than given a number of the contractor who advised they will send someone. Eventually on Monday the contractor came out to assess. Not getting in or onto the roof. The entire week I've heard nothing from standard bank, on Thursday I called standard bank to ask what is the process, I was than advised the claim has been rejected due to wear and tear. I than requested all the paper work etc, till date, no sms, email nothing. Standard Bank is very good to take money from you every month yet so quick to reject claims. I've been told by so many people including their staff to move my bond and insurance but Noooo I choose loyalty. Look at loyalty huh. What has standard done for me over the years, absolutely NOTHING!