Disappointed with Discovery claims services

On the 6th December 2023 I submitted a claim for my fridge that seems to have blown due to power surge from the constant loadshedding and after about week I was told that due to the power surge they can only pay me out for the fridge which is limited to 5k instead of repairing or replacing the fridge. I glad I got paid but I am very disappointed and frustrated with Discovery Insure that it took a week to tell me this and the one star reflects just that!!!