STANDARD BANK INSURANCE MOVING YOU BACKWARD

I have a Home and Household Contents policy with Standard Bank Insurance. I am terrified up until the 2nd December because that is when my cover ends. There lack of Service and Professionalism knows no bounds. I reported an electrical fault which blew my Pool Timer (Pool Pump cannot be switched on), Dishwasher and Iron. The Pool problem 2 service Provider later, still not repaired. The cheek of the Service Provider who put in the electrical stuff for the Pool? As she doesn't want to get my hopes up. The Same service Provider told the Insurance they had a Scheduled appointment with me with a time might I add and that was untrue. The Dishwasher repair guy, my word, took my whole Dishwasher apart with water and everything in it remember it blew while in Process. Gives me a Business Card with " Crime Scene Cleanup" on it. Had an appointment for after 2 arrives here after 5 and has the nerve to say I was busy with Supper in his report. He couldn't get the dishwasher out. It is built in but if there is 2 of you it can come out. He says something about the water pump in his report but the Incident assessment clearly states Power Surge as it is on the Same line. Insurance Rejects the claim, reason it is wear and tear refer schedule ..... I replaced the iron and have the receipt to prove, the iron was only 7 months old so still under warranty. I would love to know if my roof blew off would it be rejected because of wear and tear. I am living here 20 years already. The straw that broke the camels bank I get a letter stating that my washing machine is not covered unless I provide Proof oof replacement or repair, The PDF is titled " alarmendor*****t". Moving me Forward sorry I mean Backward.