Not happy with offers of replacement

Processing of claim is quite quick… my only and biggest disappointment currently is insurance claims to put me in exactly the same position I was in before loss. But currently that is not the case. Because the phone I had is not available I’m being offered a phone with 50% less storage than my previous one. That’s not exactly putting me in a position I was in before. Also considering my insured amount plus access. It’s not my fault my previous phone is unavailable. We all know phones are prised based on storage. The phones they are offering me cost less than my insured amount in the market currently.. and a phone with similar storage to my previous is currently only R300 more than my insured amount. If it’s not available it should be sourced. Insurance should benefit both parties and not just one…