Paying for insurance that does not cover

I am utterly disappointed and frustrated with Discovery Insure's decision to reject my claim for damages to my upright freezer and fridge. The claim was registered after my home was struck by lightning, causing the appliances to malfunction. The assessor's investigation was inadequate, as they failed to properly test the appliances. Instead, he took photos and checked the voltage of a plug that the appliance was not even connected to. This lack of thoroughness raises concerns about the validity of their findings. Condition of the Appliances My broker informed me that the assessor's report stated that my appliances are in poor condition. I strongly disagree with this assessment. Please specify what exactly is wrong with the appliances. At the time of policy inception, there was no clear indication that the age or condition of the appliances would affect coverage. I believe that the lightning strike was the direct cause of the damage, and I have provided an independent quote to support this claim. I attempted to obtain invoices from the company where I purchased the appliances, but unfortunately, the business has closed due to the owner's passing. At the time of inception,Discovery did not inform me that I need a power surge plugs for the appliance. My excess on my policy was increase from R750 to R2500 per event reason given was due to the bad weather conditions and claims that insurance companies were experiencing. I did not object and continued paying my policy. Insurance cover is there in case of damage caused due to unforeseen circumstances but you failing to cover. Discovery requested a second assessment, which an independent company conducted. They confirmed that the damage was caused by a lightning surge. However, Discovery's assessor was uncooperative, merely taking photos and testing the incorrect plug point, and requiring assistance to move the fridge. In contrast, the independent company's assessment was comprehensive, involving a detailed examination of the fridge, testing the motor, and explaining the damage. They concluded that the power surge caused the coils and gas to leak due to high voltage. How is it possible that two appliances gives up at the same time and you telling me this is not due to the lighting damage!!!!!!!!!!