Fridge claim

I have submitted a claim for a fridge almost a month ago, the approval process was quick and I truly appreciate. However I got approved for a fridge that was and still is out of stock even now as it was referred to a provider.

The fridge is not available and I am now given a voucher of R16500 of which there's no fridge same size or greater to mine of that price, who is responsible for the difference? Why am i given a price on my insured items of which my contract doesn't have an amount of each item in my house.

I am 3weeks now without a fridge and it is a real struggle with lunch for my family and frustrating.