HOME OWNERS INSURANCE

I lodged a claim with Standard Bank Home Owners Insurance. This was due to the Hail and Rain Storm damage that was caused in my property on the 02 January 2015. There was damage to our roof which was not covered, which was due to maintenance issues according to the assessor. I did not agree with this, as my roof was cleaned and checked every month from the date of occupation to current day, to ensure that there was no debris or anything that could cause damage to my home. Standard Bank has repaired the result of the damages, however the root cause of the damage to the roof was not repaired. then there was another incident where we experienced another storm, I had to lodge another claim for the alarm (Lighting damage to sensors) and roof leaks and now I am liable for another excess. I pay my premiums diligently and have not defaulted once, however when it is time to claim, there are Terms and Conditions. I am not willing to negotiate on any terms, the repairs must be addressed immediately, as I do not believe that this was a maintenance issue. Should I not receive a response in 24 hours, this case will be taken to the Ombudsman.