Bad Standard Bank home insurance, very very bad.

If it was possible to give them 0 stars i would gladly. No exaggeration. They are the worst of the worst home insurance companies in South Africa if not in the world. This is not the first time i've had serious problems with them and now i had enough. On the 23rd Aug 22 we asked for an assessor to come out to our property to re-evaluate our property. On the 29 of Aug an assessor came to our property. Since then, not a word from Standard Bank Insurance. It is now the 16th of Sept 22. The day before yesterday (14 Sept) my geyser burst. I sent them an email stating the emergency. No response. I phoned their call centre. Gets cut off after 15 min with no answer. But they'll gladly deduct the insurance amount from my account every month. Unfortunately, only thing i can do now is, get a contractor to fix the geyser and all the damage, and then do a small claims court action against Standard Bank Insurance to recover my expenses. They leave me no choice. I can't wait for them to 'maybe' reply on day and half the house is ruined.