Auto and General punishes client for underinsurance

Hi guys, My Mom has household insurance with Auto And General of R85000. 00 since 2014 and dropped the cover from R120000 that had been active for more than 15 years and never claimed before, we had a huge flood on 1st Jan 2021 and lost all the household contents.

Assessor comes out and afterwards, says that we are underinsured, we argue that we are claiming to the value of R85k, they send another assessor and they come assess the house contents (please note we were told to keep all the belongings as insurance would uplift for us)and so this person adds the broken, damaged items to the list, long story short we then get a call and say household contents value is now R355 k and we are now not covered properly. I told them they created fictitious amounts to dishonor my claim, they said its the policy of management.

My question is how can they blatantly manipulate a policy like that, when its blatant *****, I thought A n G would be ethical, but seems they are the biggest ******... Wont recommend them to anyone