Standard bank insurance quick to take your debit order but refuse to pay me for accidental damage.

In my absence, my visiting family member (older brother) accidentally left a bath to overflow and damage the laminated flooring of MY house, and Standard bank have repudiated my claim to explain that this incident will not be insured. Now I have rotten damaged floors, complaint has already been elevated, no repudiation letter has followed either. Take note, I will cancel my insurance, repair my place and sue Standard bank insure for not considering me as a client in need. Insurance is for accidents! Which part of this is unclear?