Shocking shocking shocking insurance

It is shocking that we are struggling with our geyser for 3 weeks now and standard bank is our home structural insurance. We phoned them and they are willing to change our entire geyser but not just the electric component part of the geyser. How does it make sense that they will spend all the money to replace the entire geyser but not just a small part of it. I am fed up with insurance that we pay every month but when we need them most they not willing to help us. I'm 30 weeks pregnant with no warm water for more than 3 weeks are you serious Standard Bank Insurance. Can someone give some advice on how to deal with this because obviously they don't provide for their customers.