Standard Bank Insurance ********

Why have insurance if every time something happens the owner must fix it? The incompetence of this bank in insurance is mind boggling.

With a very heavy rain storm, my ceiling collapsed in my house. It was fond that the gutters could not withstand the sudden influx of rain water due to the intensity of the storm. Standard banks answer is that they will not cover my claim as I should have installed larger than the standard gutter that was originally in the design and built.

An engineer passed the design of my house, but standard bank, who does not make use of engineers, can make over rule the engineer????

I have no idea why I am paying for a service that standard banks does not offer? If a Tornado should rip the roof off my house, standard banks will not cover me as I should have upgraded my roof to steel plates when I moved in.......