Standard Bank Home Insurance rejects ALL claims

I desperately need assistance with my Standard Bank Home Insurance and I don't know who to turn to anymore. I pay R499 on my bond insurance, but I'm never sure as to what is covered. According to me, this was meant to be a Home Insurance, but none of my claims are "valid" according to them. The only time I ever received assistance was when I had a geyser problem. Since then, NOTHING! I started this policy in 2002 but to date, I don't know what its for. At one point I claimed for leaking pipes, but they rejected that claim. My gate motor stopped working, tried to claim, it was yet again rejected. Right now, I have a ceiling that can fall into my house any minute now, when it rains, I put buckets everywhere in the house to avoid furniture damage. Whenever I call them, with a cellphone, you'll be transferred from one *********** person to the next. I called again on 02 March 2021, spoke to Mangera Adeela to complain about the unfair rejection. Then Gugu Mtshali rep**** by email, telling me she'd investigate the matter, to date, I've heard nothing form them. How do I pay insurance for a good 19 years and live in a house that's leaking? I'm struggling, my husband is not working anymore, I live with my kids and grandkids, I do not have money to fix those things and that's the very reason I had to have insurance. But all my money has gone down the drain. Standard Bank has ****** from me. If anyone has to get a home loan with standard bank, I'd recommend that they get insured with a different company, because you literally pay your money for nothing. Not only am I hurt that I was ****** by a bank, I am also disgusted at how such a big organization can fail to assist it's clients at first request. Why do I have to call, visit the branch and even log complaints to be heard - or at least I had hoped.

Mr & Mrs Monkge