STANDARD BANK INSURANCE - PATHETIC SERVICE

I cannot believe after paying for Home Owners Insurance for 6years with no issues in just one year both claims recently logged have been rejected. A claim was logged for our geyser that ran dry due to load-shedding, I fixed it on my own account as I needed hot water immediately and then logged a claim after, I emailed and called for months only to eventually be told that the components replaced are not covered by insurance (thermostat and element), please explain to me how many different parts are there to a geyser???? without these 2 components you have a water drum so how can these not be covered?

A separate claim was also logged for a leak on my house roof, they were quick to send an assessor but after that I never heard back again, eventually yesterday 21.06.2021 I managed to speak to someone who told me that the claim had been rejected months ago, when asked why the report from Black Water Holding confirmed that the Damage was pre existing and therefore was not due to the major hail storm that occurred some months back, further to that the report stated that the owner confirms pre-existing damage which is a lie as they never spoke to myself or my wife and then didn't even bother to give feedback after. Standard Bank insured my property, why did they not inform me of pre-existing damage to my property six years ago?

And to top it all of, when I told the consultant yesterday that I would be looking for a new insurer I was just told "ok no problem", so clearly me being a client with them is not important.