Standard Bank Insurance is Useless!!!!!!!!

In 2017 I lodged a claim with Standard Bank for Landslip. This claim was rejected due to wear and tear??? Apparently one needs to dig under your house every now and then to make sure that the pipes and things underneath there is still in order(ACTUALLY BEING SARCASTIC)!!

Early this year I get a huge bill from the municipality for water. Ever since I moved into my house, I have had issues with my water bill, but thought that it was just the municipality messing up again and I just ended up paying every time, to save myself the run around!! This time was different as the bill was now sitting on almost R20,000.00 a month! We then decided to get someone out to investigate!! Upon investigation, there was/is a leak, the leak however was not at the municipalities meter but rather under my home!

Having building insurance and paying this without fail every month! I lodged a claim with Standard Bank on 31 May 2022, to assess the damage! After sending numerous claims and eventually escalating the claim, on the 17th of June a leak detector was sent to my property. The leak detector found that none of my taps inside and outside was leaking, however, the gas was coming through under the flooring. This means that at the time in 2017 when I lodged a claim, the cracks in the walls, bath sinking and floors lifting was not due to wear and tear as they said, but actually a worn out pipe under the house! Take into consideration that Standard Bank at the time did not send out a leak detector or any professional, but a gentlemen that walked into my home with only a pen and a measuring tape in his hand and told me that I had no claim

I waited for a response from Standard Bank after the leak detector was here, but no response as usual, after this I had to call a million times and send more mails in order to get some feedback! On 30 June, I then sent an official email to the complaints email requesting feedback/assistance on my claim. On 6 July 2022 an assessor was sent to the property. He assessed the damage and requested that a structural engineer or loss adjustor be sent to the property due to the severity of the damage. After that assessor was here, I had to send numerous emails again with regards to the matter, to which the claims consultant never responds?!?! On 25 July 2022, the structural engineer finally shows up. Again, assesses the damage, takes pictures of the cracks, etc. The structural engineer even pointed out cracks that we were not even aware that is protruding right through to the outside, he pointed out slanted walls, which means that these walls can fall at any time! On 02 August 2022, an Assessor from Standard Bank calls to come and assess the damage, again does whatever the first one did, but does nothing after that!!!

The water has now risen and is visible half way on my walls, this also confirms that this problem has been here for a very long time! And also confirms that if Standard Bank sorted out my problem in 2017, it would have not escalated this bad! The walls are molding, not because of non-ventilation, but because of water in these walls! The cracks are now not only visible inside, but is protruding right through to the outside. I fear for the safety of my family, I have small kids that run around the house, what if one of these walls collapse on one of them? I have dogs as well and these slanted cracked walls is even a danger to them!!!

I think that I have been patient enough with this matter!!! Our water has been off for 3 moths now, my kids are ill and not getting better because of the wetness and cold in the house!!

It is now the 15th of August, almost 3 months later, with no assistance from Standard Bank!! My patience has seriously run out now with Standard Bank!!! This home is a serious health & safety hazard and I don't understand how a claim that is this serious can be taken so lightly and dragged out like this?!?!?

I will not refer Standard Banks services to any of my family/friends as their service is pathetic! They are not even worth the 1 star rating I have given!!!