Standard bank home insurance nightmare

I've been having a home insurance with Standard bank for 10 years this year. I pay my premium religiously every month without fail. I claimed 3 times that I can remember since inception. It was the geyser twice, 1st time needed to be replaced, 2nd time a part needed to be replaced. When I claimed for my floor of the lounge to be redone after an earthquake/volcano they completely refused and I had to do it myself. Now the geyser burst and it's still under warranty so it has been replaced by the manufacturer but for Standard bank to attend to the claim took almost a month as a result the ceiling is damaged, the dampness caused huge cocroaches if you know those drain cocroaches and they want me to pay excess fee of 1400 for pest control for what they have caused. If you don't want this kind of treatment, stay away from Standard bank.