Frustrated by the delay on my claim.

My name is Bongiwe Mbonambi and I put on a claim for my refrigerator which stopped working last month in June 2025. On the 10th of June there were heavy winds we experienced in KZN and they caused a lot of damage and unfortunately they also disturbed the working of my fridge. I was told to submit an accident report and I did but the insurer was not happy with the guy that did the report and they said they were going to bring in their own assessor, fine I had no problem with that. I was first told to take pictures of the fridge and the model which I did then on 30 June the assessor called and assessed the fridge. His findings were the fridge engine broke down and it's no longer working. The fridge was working fine but after that harsh weather it got affected. The fridge is well taken care of, the pictures sent in showed that,in a good state, I've had it for years, has it's on plug, not overcrowded, not moved around a lot, the only repair done to it was to refill gas like most fridges. It's not moved around or kept untidy as I live alone. The DB is also in a good state, the assessor saw this. Most of the appliances I have are old but they are in good condition because they are well taken care of. Now this insurance is giving me a run around, mind you I pay my premiums every month on the 15th without fail, now why do I do that? I pay for it should inconveniences such as the one I'm facing right now, I don't have to worry because I know I'm paying for those instances to be taken care of. There are many things that can cause the engine fridge to stop working but this insurer is choosing to go with wear and tear just to avoid paying for my claim, choosing an easy way out. As I have stated, my appliances are old but they are taken care of and now the fact that I have old appliances is being used against me. I went over my contract and no where does it state that new appliances are the one's catered for, it's say household contents and I'm guessing they are covered regardless of their age. I'm super annoyed by all of this and I'm being treated unfair by this company and I'm being exploited quite honestly. Why am I being made to wait for so long? I was told my claim is at the head office and if I'm not happy I must write an email which I did and I haven't received feedback. On the 15th this month money will be deducted on my account but I'm paying a company which is not treating me fairly and causing me frustration. I dont have a fridge, how long am I expected to sit around and don't have one? Where the hell am I suppose to keep my groceries? Claiming my fridge stopped working because of wear and tear is totally unjustified, this is not the way to treat your clients. Bottom line is the fridge stopped working after the harsh winds, claiming wear and tear because of its age is appalling, so now this means all my house appliances claims won't be approved because of age? I STILL MAINTAIN THAT YES THEY MAY BE OLD BUT THEY ARE LOOKED AFTER VERY WELL. My contact number is *** Email address: ***