Insurance Claim Query

I am extremely disappointed and unhappy with the outcome of an insurance claim that has been going on since September 2017 and to date we have still not received a suitable resolution.

The initial assessment that was conducted was definitely unrealistic compared to the actual damage that was caused by the storms. I requested a second opinion which was never done. I was advised to get my own assessment done. This was done and all the cost incurred was for my personal account. I have since submitted the quotation. I feel that this quotation was totally disregarded as the proposed resolution was the payment of the initial quotation.

This claim process has been extremely frustrating. I have held this policy with standard bank for a number of years and this is the first claim that I have initiated against this policy. What is the purpose of having an insurance policy if in time of need the bank is not willing to assist? My property has been badly affected by the rains and every time it rains the situation gets worse. I really don’t think that the quote received initially is still valid as there has been a number of heavy rain incidents in the last four months which have since made the condition of the ceiling boards etc worse.

I have emailed the customer complaints department on 01 February and to date have not received any contact or response from them.