****py services for a loyal premium payer.

I bought a property through Standardbank in 2009. Before approving the deal they send someone to evaluate and check if there was value in order for them to fund the purchase. This individual found that there was value and Standardbank approved the loan for the property.

We moved into the property on 15-12-2009. The rain came in 2011 and it damaged the sealings so much and affected the full floor carpets so much so, that I had to remove them. I was paying my structural insurance as was expected from me to stay covered. When I registered my claim in January 2011,they told me that an Assessor would come and assess the damage. Five (5) months later the Assessor arrived at my house, mind you, the kept falling since I registered the claim with them. He stood on a drum, extended his arm with a digital camera in his hand and took pictures of the roof of the house. When they eventually came back to me, they told me that they can't honor the claim, because the previous owner hastily fixed the roof, knowing that he was going to sell the property. I wanted to know from Standard insurance, where do I fit in? They send someone to check if the property has value and funded it according to the report they received from someone they send to check. I fought them with the ombudsman for short term insurance and won. They eventually only paid half if the original damages abd didnt even bother to send a service provider to fix the roof where the leaks were. What shocked me, was when I received a revised structural insurance document wherein Standard insurance put a clause on the roof of their property. I am since 2011 not eligible to claim anything from them if it has something to do with the roof of the property. All these years I have been paying my insurance premium, I never put a clause on anything, I always kept my end of the bargain by paying without reservations. I am very unsatisfied about this. The cherry on the cake was in October 2022 when I was a victim of domestic violence. My child broke 4 windows of my house on 9 October. I submitted a claim later in October and they came back with a technical low blow. The lady from Standard insurance told me that if I want to claim all for windows, I must pay an access amount of R1200 for each window, because" it is four(4) separate insidents". This child did this to my house on 9 October only. How can it be seen as four (4) separate incidents? My windows are still broken, because I do not have R4800 to pay for access alone. Standard insurance, are we just good enough to be milked, and wgen it's time that you must cough up, you become technical, because you do not like to pay?