Bad service from Discovery Insure

Hi I got household insurance with them on 2 properties. The house at Vaal River is a weekend house and we only go there every second week and at holiday times. On 11 December 2020 we went there to find that fridge, 2 TV sets and hi fi do not work. On Monday 14th I had a company go to the house to try and repair the units. They then collected the units to assess at their shop. Monday the 21st I was informed by them that it is lightning damage and units are uneconomical to repair. I lodged the claim on 22nd and was told to mail report to a specific person which I did immediately. After 3 days not hearing from them I phoned again to follow up just to be told I must email someone else. On Monday 28th I followed up again and was told to email a third person, I then asked to speak to a team leader or to a manager, I was put on hold for 20 minutes until phone got cut off. I poseded to phone again but no one answered or even came back to me while I was holding. Up to today no manager or team leader has phoned back after leaving several messages for them. On Monday the 4th of January a person phoned me and told me we only get R10000 for this claim as they don't cover power surges as the way policy was taken out. I again asked for a manager to help me but no reveal. After contacting the broker he informed me that the cover has changed last Yr and that they send it in a newsletter to us. That is really sneaky from them as I would expect if they changed anything on my cover I would at least get a new policy or at least a discount for the cover they just removed. The absolute poor service and sneaky Ness they shown is not what we expect from a "world class" company. The loss I occurred is well over R80000 and they want to srub it under the carpet. This is not even the loss a had for items in fridge and call out costs from company.