Discovery Claim ***

My fridge died due to loadshedding and I called Discovery, followed the process and submited a claim on the 07th April 2025. I have been asked how did this happened by 2 people, on separate phone calls and i was assigned an assesor who sent me a consent form to allow them to search if i have insurance elsewhere and if im not trying to hassle money from others also. My kids ID numbers were also requested to check if i dont have household insurance under their names. I agreed and i filled up the form. I was called again on Thursday the 10th at 13h00 to go through 10 questions and be asked again what happened, if I have proof that there was indeed load shedding and I went along and answered questions and submitted my proof. I was promised I will know by Monday the status of the claim. Monday I get a call they are waiting for King Price to send them my Car Insurance policy so that they can scrutinize it and check what is it for. I told him I can send the policy agreement myself which I did. Today 15 April I get a call and he says he went through my policy with Discovery and it looks like I'm under insured, the policy only covers R280K of my household, how much do I think my contents are worth, I tell him its more than that, but I covered for what I know is vital for my household. He then asks me to fill up a form, he will send it through. Its called an invetory list and send it back today so that going forward they can fully insure my household contents. I asked him is this going to be used to determine my current claim or not, he said NO, this is for future. I agreed and filled in the form my total cover as per form came to R500k, adding up my furniture and bedding and all the electricals. I sent it back to Discovery. I get a call and I'm told because of the form that I filled today on the 15 April 2025 which shows that I'm under insured my claim wont be paid in full. This right here is a game that they played, to trick me into filling a form that will have me ending up with a profile of being under insured, and with that my claim wont be fully covered. I have been without a fridge for over 5 days waiting for Discovery to investigate and decide whether I deserve to be covered or not and after all the waiting and all the calls and the forms I'm told because I only agreed to be covered for R280K, I will not be covered in full for the fridge. My question is do I have a say in what must be covered for, as household contents or is it decided for me? I only need cover for electricals I was not lookign for cover for my beds, my side table,sofa or my cutlery. From the 07th to the 15th I still dont know what is the status of my claim, he is going to talk to his manager and she the manager might not be in now as it is already late. My assesor's name is Thabiso Modibedi, Desktop Claims Assessor Discovery Insure my claim number is ***.