Standard bank - moving backwards

Standard bank insurance moving backwards!!Our home was damaged 24th Dec last year and we got a claim number and numbers to call.That alone took me 2 months to finally get some help.Finally a guy came to asses the damages almost 2 months ago and only today we found out that the roof that was the main fixture that was damaged was rejected due to bad construction they say.When the strong gusty winds blow your house according to standard bank it should only blow the cheap parts of the house.Paying every month and getting this type of unreal service is just a *******.You send an investogator who saw the damages and your assesor came back rejecting the claim.Please explain to me how were we supposed to have lived in a roofless house all these months?And how were we gona stop the wind from blowing our roof off??Hold on to it coz apparently its costy to repair the roof??Why are we paying????Standard bank insurance your services from your tellers who gave stupid advice on this crazy insurance up to whoever makes the decision what wind should target when its time to claim!!!!!!BAD BAD BAD SERVICE!!!!!