Poor Customer service from Sa Home Loan

Sa home loan the worst insurance ever most of my recent claims came back declined after paying my premiums for almost 10 years now such a disappointment when needing them the most they not there to help but yet take their premiums in fool I'm thinking of canceling and transfer even my whole bond to another place they totally acting unprofessional after being a loyal customer for many years,claims related lappa damaged due to heavy rain was declined apparently due to no maintenance , swimming pool filter pipe leaking declined apparently due to tempering,house roof leakage thet demage the tiles and cupboards claim submit a few years ago also declined its like its becoming a norm on declining claims and I'm not impressed