IS THIS THE SERVICE WE PAYING FOR ???

I am appalled by the service that we have received from Standard bank insurance. We has incident at our home regarding our geyser that has not been warming up from The 27/08/22 till 30/08/22.We had called the insurance to log a claim regarding our geyser. Claim 22/179540 .An assure came out and advise that there was a problem with the thermostat and element we had to pay as it is not insured by the insurance. We payed an amount of R1500 for the repairs to be done. The guys tried to fix the geyser but was now effecting out electricity, he came back the next day advised that there was something wrong element which has replaced and was working .I have advise the guy that our light on the one side of the property is not working .When he had left everything seems to work fine. On the 1st Sept 2022 we started experience with out lights tripping and flickering again. We called the insurance again requesting an electrician to come out check our electricity which they came out they advised that there is a problem with the kitchen switch that is effecting this trip and cutting out of our lights. This is just part of my complaint as prior to this we call the insurance for plumper to come out and check our kitchen pipe that was leaking they came and advised that they do not cover. Along with team coming out they were suppose to sent out a carpenter to come out due to the leak in the kitchen that effect our kitchen sink and is rotten of the water leakage. I don't know what standards they are using for they service provider but seems there is none cause service provider that has been sent out to repairs of the home is *********** and seems that they don't know what they are doing. I need someone to urgently come out and try and figure out what's going on with out electricity. This is a service that we pay for month to month and hardly use but seems if we do need them they cant do the basic. It seems that they are waiting for our property to burn down before a valid claim will be paid out. AS a paying home owner we have the right to proper service delivery for our basic needs, if this is not attended to I WILL TAKE IT TO THE OMBUSMAN.