OUTRAGEOUSLY POOR SERVICE

I would have given you a minus star but that not possible for such poor service. We have our household insurance through Standard Bank. Due to heavy rains we had flooding (natural events) that had taken place, so we called into our insurance. They were quick to send over an inspector. Who then was quick to reject my claim due to leaves on a roof and a stoop!!! . Our ba*****t had flooded to my knees due to the rains on Monday and my roof in the main house and our out house was leaking heavily. I have photos and videos to prove the flooding. This is the second time we had an issue with rain. Once the claim was submitted inspector came out, he walked into a wet destroyed ba*****t, he then made it out to be our fault and told us the insurance won't asssit with damages to as the flow of water can build up. This doesn't make any sense as when we purchased the house and they did the valuation and standard bank did not tell us there is an issue and we needed to now build a stoop!!! This would have been done from the get go to avoid any issues. This answer made no sense and I brought that to the inspectors attention. He wasn't a rude man but when he entered the building he did see the damages and looked shocked. I could see that he was trying to make excuses on standard bank's behalf. He then went on to say that they would most likely paint my ba*****t floor as that had water damage and replace my broken door. But they won't assist with the stoop and that we should build one. I told him that we will build the stoop after they sort out the damages. He then walked into the main house where we showed him our leaking roof and he took picture. Here he never went onto the roof at all to see how the leak took place. He just took pictures. he then went into the outhouse, where the ceiling is falling apart due to the rains. The first time I called standard bank I spoke to them about this leak and about my garage doors they then sent someone over to check the motor on my doors as my door stopped working. But they denied my claim stated maintenance ( I got someone over and they stated that water and sand had gotten into the motor. My motor is high and not on the floor so I can't understand how it's maintenance!!!! , the person who chexked the motor stated that It wasn't maintenance it was an excuse) and no one even came over for the outhouse and ba*****t when I asked they said the guy will come in 5 working days but no one showed up. Anyways the inspector then proceeded onto the roof of the outhouse and then indicated that there were leaves on that building. There is a high tree above this outhouse so I would expect leaves to be on the roof when the wind blows. This isn't something that I can control as there is a tree. The claim was for natural disasters so needing a stoop for flooding and leaves on a roof was their poor reason for not allowing my claim. I'm not sure how they missed my main houses roof as the guy took pictures but never went onto the roof for that excuse. What is the point of insurance if Standard Bank finds excuses for every claim. Im an canceling every insurance with standard bank going forward as this is outrageously poor service. I will not be letting this go and taking this issue further. Standard Bank Insurance is a ***** and do the keep to their contracts.