Standard Bank Insurance fails to help WHEN IN NEED!!

We pay each month diligently towards Standard Bank Insurance in order to be covered in the event that disaster strikes. Times are hard, we are all battling but we manage to put aside much-needed money towards keeping our valuables and home safe. Having our home insured with Standard Bank insurance for structural damage is a nightmare we PRAY each day for our home to be safe as we know should disaster strike Standard Bank Insurance will come back with a "We decline, much-needed help......" How is it possible that Standard Bank Insurance gets away with failing in its duty to help when disaster strikes its clients? We do not have money in order to pay for damages that are caused by disasters. This is why we pay a premium each month since 2004 towards Standard Bank insurance to help us when in need. We pray for help when disaster strikes but we get shocking "no service deliveries from Standard Bank Insurance Consultants such as Koketso who was appointed to assist with our claim. Shocking attitude when I phoned in to register my claim on the 28th of October informing of the Klaarwater substation that exploded and caused our electrical Fence Druid energizer unit, Airconditioner and Stove to blow. Being part of the structural home we were advised by Momentum insurance to seek help from Standard Bank Insurance as we pay a premium each month. Momentum will help towards home appliances that are not part of the structural home. From 28th October up until 9th November, we had no feedback from Standard Bank insurance. Standard Bank Insurance does not care for its clients in need! Momentum Insurance kept in touch each step of the way with amazing service delivery - they managed to give us some hope that HELP is there when we are in trouble. Standard Bank Insurance shocking no service delivery. On the 9th of November, finally I get Arishka from Standard Bank Insurance phoning me to deliver the shocking news "we Decline the 3 items that you have listed". It is another DISASTER THAT STRIKES OUR FAMILY. Our family now has NO ELECTRICAL FENCE that we have taken months in saving for in order to keep our family safe within this HIGH CRIME ERA that we are currently living in. How are we going to replace the Energizer unit keeping the Electrical fence operational? My question to Standard Bank Insurance - we pay you each month to keep our home safe - YET WHEN DISASTER TRIKES YOU FAIL the CLIENTS THAT ARE SO DESPERATELY DEPENDING ON YOU FOR YOUR HELP. How is it that Standard Bank Insurance gets to DECLINE the much-needed help that is being paid for? I have had to deal with Standard Bank Insurance on 2 other occasions and every time I get the same "shocking client no-service attitude". Yet again, I get to share my experience with the public hoping that Standard Insurance will step up the service delivery to their valued clients. For once BE FAIR TO YOUR CLIENT THAT IS NEEDING YOUR HELP - PAID FOR YOUR HELP SINCE 2004!