refuse to pay out replacement value

I lodged a claim due to power surge. I am happy that discovery is going to replace. However I requested that the replacement value be paid out to me. As I have no need for some items and also 1 item I replace out of my own pocket and the other item was gifted to me by a friend so I don't need to replace. Discovery refuses to pay out and said I don't have a choice only under extreme circumstances do they do that. First point I waited 4 days for assessment to be done after their people failed to collect stuff on Friday (20-02-2014) and I had to wait home the whole day second point how are you to assess what circumstances are extreme or not. Third point I am the paying customer how can you tell me what to do <br> <br> I have convinced a lot of my family and friends to come over to discovery as I thought they are going to make a difference. However now I will go back to them and ask them to re consider