Insurers Any reason not to pay is a good reason

. I logged a claim with Standard Bank Insurance for water damaged ceilings. On the 08 December 2020. Fondo Business Enterprise arrived here on the 10th December to do the assessment. The assessor arrived here to check the roof with no ladder or any means to get onto the roof. A month later and I had not heard anything from Standard Bank Insurance I then emailed *** as instructed by the voice prompts on the 12 January 2021 I got a computer generated response saying that I would be contacted within 24 Hours and nothing happened thereafter.

This morning I called and went through the process of holding on for almost 45 minutes (COVID 19) being blamed like everyone else does I finally spoke to an agent who informed me that they have been trying to contact me to no avail on a number that all of my clients have no trouble calling me on. This agent went on to put me on hold for another 10 minutes and comes back say that Standard Bank Insurance repudiated the claim due to wear and tear. Now first the roof was not checked properly because their assessor arrived there with no means to do proper checks and they refuse to even repair the ceiling that are sagging and water damaged. They take my money every month without fail and now look for reasons not to assist me when I claim.