PATHETIC SERVICE

I bought a house through Standard bank and never claimed for anything accept a geyser. Since the storm we had recently, it was leaking in and I filed a claim for my roof because I had sustained quite a bit of damage. After receiving reply that my claim was not accepted because the roof was not maintained. This is utter *******. Wear and tear not covered? OMW, where do you hear you pay insurance and wear and tear is not covered? I am not leaving it like this. STANDARD BANK YOU ARE PATHETIC AND I WILL MOVE MY ACCOUNT TO A BETTER BANK WITH BETTER SERVICE.