Standard bank building insurance

I have listed a claim and was rejected to wear and tear.

I experience under ground leaking and leaking from the roof about 3 weeks ago. Yet one has has responded to my complaint. I received email on the 21 June stating 8 working day , no calls no email.

Bearing in mind that standard bank has the assessor out about almost year ago and they were the last to claim on the roof . Yet I am the one that being held responsible for damages that could've been caused by them.

My house are cracking Ceiling boards are wet Floors are damages

But according to standard bank assessor this was caused because we either left an area open in the middle of the night.... The advisor wldrom standard bank could not send me the report of the assessor but she could read from it .. she claims she not allowed to send that report but she can send me out come letter .

According to me building house insurance is a complete ******* if they are not even willing to cover Crack walls roof ... is this not part of structural building of the house.

Standard has not consumer ethics.

I would like answers and call back