Service we have come to accept in South-Africa

Claim 20/084379: I registered the claim in October and it is still not resolved! We had a direct lightning strike which caused major damage to mostly all our electronic equipment of which Standard Bank only covers the building part. The alarm panel and CCTV recorder was replace by a third party contractor that charged 300% market rates which I expressly rejected as I could have replace it at third of the cost allowing my claim amount to be lower. Now they refuse to cover all the parts leading up to the gate motor and tank stating that it is for normal household content. It is a small holding where the gate is far away, thus the equipment required between main dwelling and gate, Yet they refuse to send me my policy schedule or an assessor to come and review the claim. Nor do they communicate back on anything. I am so frustrated that we just have to pay and then be forced to accept this level of arrogance and service!!!