Standard Bank Home Insurance

I Lodged a claim (Claim no. 18/057156) with standard bank on 23/07/18 to replace a ****** gate motor. The gate motor was successfully replaced. On 18/01/19 the gate does not want to open. Standard bank Insurance then sent out their contractor RED NEO to verify if the problem was workmanship or lightning. As soon as the contractor arrived he immediately demanded R750 excess without even verifying if the problem was workmanship from the previous contractor. I asked him to 1st check what the problem is and it was discovered (according to him) that the gate will need a new board. He then proceeded to replace the board and adjust the gate rail. If the gate rail needed adjustment why did the previous contractor not rectify this issue. He carried out welding on my gate and left a huge hole in the frame. Furthermore the gate lock mechanisms do not line up as before and I cannot lock my gate in the evenings