Standard Bank Insurance - Sub standard service

So disappointed with the lack of service and care provided. After experiencing extreme stormy winds, our carport ripped out the wall at one point. I secured the rest of the carport to limit any further damage. After lodging the damage i waited for more than a week. Each time i called to find out the status of the claim progress i was given the run around. The first company they asked to come access said they were too far away and would not do it. then the second was too busy. After phoning constantly and emailing, finally someone came to look. All in 5 minutes with a couple of pictures he was done. All this only to have an email sent stating "Rejected ". Asking for clarity as to why rejected, i am told wear and tear ! An extreme storm which affected the entire Western Cape, ********** roofs in Wynberg and other area's. But my damage is wear and tear. Because some appointed accessor believes the area had work done to it. Which i have told them numerous times, that we haven't had any work done, you cant actually get in there to do any work without dismantling the carport. The manager who i have emailed numerous times to follow up is totally disinterested and is of no assistance. How can an accessor who was here for a couple minutes make an assessment of brickwork when he has absolutely no clue what he is talking about and then Standard Bank Insurance take that as absolute, clearly your clients mean absolutely nothing except as a cash ***. Surely you follow up on this, send someone else to access or substantiate your accessors claim ? Lets see how seriously you take this - you can contact me on *** , because this i will be followed up with the Ombudsman.