Insurance claim

Service is shocking. I have been waiting for 2 months for my claim to be finalised. I logged my claim online and received no communication from the claims handler for weeks. Despite numerous calls and e-mails explaining the situation they refuse to pay me for labour on a repair. The callout fee covers the labour but they refuse to pay me for the callout fee. My electrician spent hours looking for faults and then replaced the damaged items. Standard Bank Insurance sends in a supplier and all he does is quote on the items that were replaced. Which means I lose again on labour. I have asked on numerous occasions for a supervisor to call me and I am still waiting. I have paid my premiums so all I want is for the Insurance company to play fair and cover my losses.