Pathetic service, does not want to pay out on a water damage claim!!

In december 2021 we had extreme amounts of abnormal rainfall. After it rained 2 days straight, the water started seeping though the wall foundation on the one side of my house, into my husbands study, the front office and the garage. the vinyl flooring in the study was ruined as well as the wooden skirtings on the floors. We immediately logged a claim with standard bank home insurance. after not coming back to us for a long time, and we needing to phone them all the time, they eventually told us they don't have an accesor in our area, and we must get our own claim. We went to a builder, who also consulted with an engineer, as well as a carpenter for the woodwork. after they gave us a quote on how to rectify the problem and fix our damages, then because it was a high quote, they sent an accesor to our house. According to his report it was not because of abnormal rainfall but that there was structural fault with our house. he only walked around our house, i don't know that this mans credentials are, and how he can make these claims. My husband works remotely from home and it has now been 3 months that he has to sit in one of my children's bedrooms and work, since the floors are rotten in the study. I myself am a private banker, and i haven't received any feedback from them. I had to phone them today to hear this claim is declined. I'm sick and tired of the poor service, and if standard bank does not sort out this issue today, I will move EVERYTHING to FNB. I'm a medical doctor and i don't have time in the day to sit and phone after a bank who obviously doesn't want to do business!!! ref 21/104450