Insurance claims not paid because of incorrect assumptions.

I have been with Standard bank since i was 7. i have bought multiple houses and cars with them. I have been using Standard bank insurance since i owned my first house. I submitted a claim for our air conditioner in our house that broke. We had lightening physically hit our house. We have the pictures from the tree that burnt outside. We had our TV, tumble-dryer and air conditioner broken during this. Our household insurance covered all the damaged goods except Standard bank. they told me it is because of load shedding and they don't cover load shedding damage. which i told them multiple times its not load shedding. Still they decline my claim. Then i had my garage door jam up and break a wheel on the wind up section. Standard bank told me its because of wear and tear. From my experience wear and tear come with something breaking because of age. not because of physical damage. I am very disappointed in their incorrect assumptions in my claims even if i give them the accurate statement.