DON'T CARE ATTITUDE

My ceiling was damaged by storm and in one of the bedrooms by a leaking geyser. I lodged two claims with Standard bank home loans on the 07th Sept 2015, number 15/065714 and 15/065720. One claim for the geyser and ceiling was approved and the other for the storm damage was rejected.<br> <br> The geyser was replaced but not the damaged celing. The reason given by the bank is that they opt for a cash settlement because their service provider is very busy and will only be able to assist me in 2016. The bank is not willing that I get other quotations to compare to the offer they want to pay me. Is it fair that they should get only one quotation from their own service provider and conclude that it is the amount they are prepared to offer? I have already checked with one other who quoted me more than the offer I should get.<br> <br> What happens then to the difference? Am I not paying my premiums to be covered? All I expect to pay is the excess amount and get my ceiling fixed. Also why can't the bank look for another service provider instead of making the repairs my own problem? I have written a complaint e-mail to the bank on the 18th Sept and I'm yet to receive a response.<br> <br> Kindly assist