****************??? Or is it?????

I have been with this company for almost 10 years now if not more. Am not much of a claimer but today I was treated with so much attitude it left a bitter taste in my mouth. Be it the rules of how it is done or the policy wording I don't think that for 4 years you should pay a premium for a device almost worth 20k yet when you claim they give you same device yet still worth half what you are paying. why not be fair and adjust my premium to say mam your device is now worth less. Or else give me the cash of what I have been insured for and I sort myself out. Either way just like how you sms me to say im under insured when not sms to say im over insured. what do we call that? ****************. You should have never told me to value of my device and I would have been a happy chappy but knowing this made me very angry.