Poor workmanship

I was moved to Discovery by my my broker last year. At first the service provided was worth the high premiums paid but recently due to some inefficient members / employees at Discovery I cant say the same. My claim was processed in March and was attended to in Sept due to Covid...the building assessor from Discovery advised me that a contractor was assigned, who then sub-contracted the job which mid way has left the job incomplete based on wrongful assessment carried out by the leak detector...in the process they carried out work not authorized and then tried to claim from me...now my bathroom cannot be used for last 2 months..tiles were broken and exposed the concrete (which now i cannot find a replacement tiles) and will need to redo bathroom tiles..shower doors/glass damaged...Discovery wants to settle a amount not a third of cost to fix the damage...and now come up with clauses etc. yet their assigned contractor messed up. I have since logged a complaint with Ombudsman as feedback from Discovery is very poor...waiting for a fair settlement.