Delays with a claim

On the 15th of November some of my electrical appliances was damaged by lightning.......... The assessor did his thing, I got the fault reports(which costed me a pretty penny) tommorrow , the 13th of Desember (2024)will mark the 4th week since the claim was logged, and still, it's not settled yet. It seems like Brolink/Santam(whoever) try to delay the payment for whatever reason. My question is the following, what if it was a fridge? Freezer? Car? Am I suppose to get along without these appliances for seemingly a month at minimum while some people play games out there? A while ago I had to get a deep freezer fixed out of my own pocket because of all these delays. Sorry that's not good enough, what if it was my only vehicle?