WORSE INSURANCE - NO SERVICE

why offer commercial insurance if there is no service, clearly having team building sessions means more than the customer. I have 3 properties covered by Discovery. one property got broken iton on the 18 April, it was under construction and i had my worker staying on the property, they came in armed and took fixture out the property, layed a claim. 25 we asked dor feedback, nothing, 28 April still no feedback, 4 May it was refered to manager, on the 9May they rejected the claim. Today its the 6 Sepember and im still awaiting the rejection letter of the claim, our broker has requested it many times. 12 August we had a break in at another property, ******s went through the ceiling and damaged it. 17 August we had a roof guy out to give a quote sent it through to discovery , 18 August they said they sending their own assesor, 24 August still no assesor sent? on the 26 August followed up and discovery staff were on team building thats aleady been two weeks since the break in and nothing??? 26 August followed up still nothing! then on the 29 August they paid a portion of the claim for the roof R4745.92 and forgot to pay the other amount!!! today is 6Sepember they still have not paid the rest of this claim so from the break in up to today its more than 3 weeks!!! we then had a power surge- 25 August, its two weeks already lets see how long this takes! WHY OFFER INSURANCE IF THERE IS NO SERVICE OR URGENCY???? WE RUNNING A BUSINESS , WE HAVE INSURANCE FOR A REASON!!!!