money makers

Roof leaking when it rains paint coming off the walls in passage and bedrooms bed has mill dew but ha've been told its through the bath n dampness that's causing the problems. An assessor has taken photos submitted it to the company which was approved at 1 st but now declined can this be allowed. Why does the insurance company's take urge payments and can't even help in a situation<br> Are they just about making money to pay their salaries?<br> Do they even have qualified assessors to inspect a property?<br> Is standard bank insurance company's helping or neglecting customer complaints or just trying to save for a bigger pay cheque?<br>