I feel ****med and taken advantage of

I feel I was ****** the second time by them. I submitted a claim for assets only to be told I will get a far lesser amount than the one my assets were covered for cos “I am under covered” which makes no sense to me as my cover I 5times more than what I was claiming for. Now they have decreased my claim amount 4 times less than what I initially claimed for. How am I suppose to replace the things I was claiming for when I cannot even replace just one thing with the money they say they will pay out. They have ****** me and I do not trust them at all.