Unfair and inflated insurance claim

Complaint Ref ***, date 1 February 2021 refers. A complaint was sent to the company following a claim (#***) that was resolve in bad faith. It took more than 2 months to get a response from the insurer. At the time some feedback is received, the appointed company who was supposed to do the repairs, indicate he is too busy to do the job. Again I have to follow up on what to happen next. In the end, it was resolved Discovery will pay me the amount quoted by the "appointed contractor". I agree to it, but to my shock, all the companies I approach quote more than R1000 more than what was paid out to me. The insistent that this is the insurance approval rate. To give an example, they all quote the same for the different items. The area of the ceiling to be replaced is 5 square meters, but the quoted all 3 lengths of 3m x 1.2 ceiling board, equals about 20 square meters. At that time the same board can be bought retail at R135 for a length of 3 m, but they quoted R195. How many standards or approval rates does Discovery has and at ridiculously inflated prices. It is impossible to get a reputable contractor with the little money receive from Discovery.