Standard Bank Home insurance

my parents are having the most horrible experience with standard bank Insurance they have on the house.

for the past 4 years we are trying to claim for the geyser and every year they come up with the same excuse saying that its a valve we have spent R600 each year for 3 years now replacing the valve and they still refusing to replace the geyser.

i have told them that there is a place where the water was leaking through that my brother sealed with silicone just for the mean time and yet its still leaking.

this cause of the geyser leaking so much has even damaged our floors and what is standard bank telling us its wear and tear they wont replace the floor or geyser.

i am very dissapointed in this as my parents have been paying this insurance now for over 15 years.

now they want to add valves cos the pressure comes out slow according to them this geyser is rusted the way it is old and water grepping out were its rusted.

i am over Standard bank and there **** service.

now they want to send out someone for the third time to check floor and geyser just cause they are refusing to offer the service that my parents have been paying for.