Swimming pool claim after 8 months notification claim is unsuccessful

My swimming pool overheated due to heat pump control failure December 2025. Standard Bank could not appoint contractor Jan, Feb March as no swimming pool contractor with Standard bank avaliable. April SB requested me to obtain quotes. After eight months 19 August. Standard bank notified me that claim will not be paid out. Owner should have made provision for damage. Why not Jan to March while my swimming turns green SB notified me that claim is not successful. During April a storm caused some of my facia boards to fall off. No claim as Standard bank claims it is wear and tear. All I can tell Standard Bank, I am canceling my insurance today. Already appointed another insurance company. I have cacelled my debit order after 20 years