Std bank insurance -****s and *******

I lodged a claim with Standard Bank Insurance for a leaking roof and dampness in 1 of my bedrooms and lounge. My house is well maintained inside and out. After chatting to the assessor he assured me that all was in order and it would be higher unlikely for the claim to be rejected as you can clearly see that the house is maintained. To no surprise I received a rejection on the claim due to lack of maintenance and the incorrect gutter used. The gutter was part of the house when I purchased it 10 odd years ago, why did they accept to insure the house if it was a problem. After receiving almost R90k worth of premiums from a customer with barely any claims now you tell me the gutter is incorrect. STANDARD BANK ARE *******. DO NOT USE THEM FOR ANY SERVICES. i have further lodged a claim with the ombudsman, it's time for these financial institution to stop *********** customers. How Can the lounge and room walls be lack of maintenance, it is apart of the house structure. It is clearly visible that the house was repainted. Time to cancel the insurance and find an honest service provider.