Handelling of claims and time frames.

I had electricity supply issues after they try to ***** the electricity cables. The municipality confirm the power that was supp**** to the houses was over 400v instead of the normal 235v by letter. I submitted the claim form 20/05/2015. After the \claim adjuster"made a appointment 2 weeks later. I phoned the claim adjuster on a Friday try to explain to her that my freezer has also now stopped working. She said I can go and bay a similar freezer as long it is the same size witch I did due to the fact that my fridge and freezer is now damaged due to the event with a whole list of other appliances. The resold was they will only pay \""accidental damages\"" of R10 000 but my loss was for over R20 000.00 <br> So I need to take the lost even if I was insured. If it was lightning they will pay out in full but in this event they will not do so. (What is the difference between these two scenarios?)<br> I received confirmation on the 17 /06/2015 that payment has been released but still as today I do not have received any payment. I requested proof of payment so that I can take it up with the banks but to no avail have I received no confirmation letter as yet. <br> """