INSURANCE CLAIM NOT YET PAID

Hi, on the 4th MAY 2019, our business vehicle a Toyota Quantum Panel van was ****** from our property...we were told by the insurer that the vehicle was parked outside the property and therefore could not pay out the claim only because the assessor was not particular about which vehicle he was querying about to one of the neighbours who was not aware that the Panelvan was ****** as he was not at home at the time of the theft. "The assessor asked where do they park the van", to which the neighbour answered on the road as we park our H100 on the roadside. We run a business we have many vehicles, had the assessor asked about the Toyota Quantum he would have been told that vehicle parks inside...we have then taken up this matter with the Ombudsman on the 10 JUNE 2019...all neighbours confirmed on an affidavid that the vehicle parks inside the property as well as the neighbour who said on the road handed in an affidavid stating he withdraws his statement as he was not asked about the Quantum in particular and to date the claim has not yet been paid out. Our business has suffered a huge loss and still is, we have lost so many business contracts. We run an upholstery business and purchased the vehicle to supply many big stores, cash Crusaders in JHB one of them to supply furniture on a monthly basis as well as lost many other contracts since then. Our vehicle was recovered completely stripped only the shell left...what can we do with that? All we are asking for is if you cannot pay us the claim then replace our vehicle so we can proceed with our business. The business was reliant on that vehicle. Its going to be a year now since the vehicle was ******.