Unhappy costomer

My TV is damaged, they send the assessor to collect it, the assessor send me the message that they they send the report to the insurance. Today I phoned and the told that they are going to give me R8564. 00 and I said to them the TV worth R23000 how can you replace it with R8564. 00 what TV am I going to buy with amounts now then they say they to pay company and I must only pay access of R675 to that company they will deliver a new TV at my place that's not right, that's not right they must give the same amount I bought the TV or more because that TV worth more this year