********* biased ill informed assessment unprofessional service rendered

Hi, Please be careful & take extreme precaution with dealing with sa homeoans insurance as a client this my opinion. in march I discovered a portion of my wooden floor damaged not sure how did it happened however I called sa home loans insurance to log a claim on the 9th march 26 I spoke to a claim consultant name by Taina Naidoo while she was on the call with me she sent me a rejection letter to say that water pipe leaks or drain leaks or something similar that caused the damage are excluded from the policy without due process of sending out a assessor to what caused the damage, she asked me how did the wooden floor damaged and I told her I have no idea as I had a a huge dressing table was placed where damaged occurred so I was unable to notice, I mentioned to her there is no water pipe not even near by or any kind of pipe which relets to rejection letter yet my claim was rejected unfairly, ***********ly in bias manner which shows lack of understanding however almost a month later I call them back and they refer me to a claim consultant named by ,Sarfaraaz Shaik he sent out a assessor in April 26 from CLA & ASSOCIATES a gentleman named by SYLVAN HE assessed & asked me that he can see presents of turmite I told him I have no idea as I had dressing table above the damage area and there is a window so I told him I suspect that one of the Windows must've have been left open accidentally or otherwise that's how the water got access & floor got damaged hence it was underneath the dressing table it was difficult to identify immediately now they send me 2nd rejection letter to say that the water damaging the floor or water accessing the area is ongoing & turmite being found there for the claim has been rejected, NB: I did my research and I found it's obvious if water stays on the wooden floor it will eventually create turmite in due course, I am Extremely disappointed, devastated angry & helpless whenever sa home loans insurance has to fix or payout always find ways & means to avoid entertain there clients, & the odecity i must fix the said damage using my own money &; send them the proof of repair done,..I understand there is genuine claims & there mighty **** claims as well but they should go by merrit of claim & not treating everyone with the same stick, unfortunate and biased assessment to avoid entertaining clients claim,,, please be warned when you are dealing with sa home loans insurance you will have to sweat before you even get your report though it might be not in your favour, I had to follow up 3 days to get a negative report that's show's lack of seriousness towards the client,,, I just mentioned what was in my mind,, frustrating experience,,, I Refuse to accept the outcome & I am busy with legal advice and scrutiny..