Lack of Assistance from Insurance Company

We have made numerous claims with Stanbic for our roof. Each time the claim has been declined for reasons outside of our control. The main issue being that the aspect (angle) of the roof is not correct. How is the average man on the street supposed to know at the time of buying a property what the angle of the roof should be. Surely an assessor should visit a property before the insurance company starts debiting premiums and warn a client upfont. It has also come to my attention, that another client had their roof repaired (despite a claim being declined) when the client threatened to only pay their bond once the repairs were undertaken. Our bond and insurance premiums have never been in arrears and I don't intend to stop paying. I am however seeking alternate insurance and will discuss options of switching my bond to another financial institution. With all the rain we've been experiencing lately, the damage is becoming worse and worse. I have always rated Standard Bank highly but I am quickly rethinking this.