Bad claim and experience

I got a call from dotsure about a home content cover, I gave them business because 3 people referred me dotsure as a good insurance. The consult asked all sorts including my home content value and I told her, I even mentioned to her that I’m taking this insurance because I have expensive items at more. So now 3 of my items are damaged by power surge and they worth over 45000 all 3, now dotsure is telling me that they will pay 9500 which won’t even buy 1 of those items. Only now they telling about about specifying items when they suppose to finalise claim. How will I be paying close to 500 if I’m covered for an amount that won’t even cover 1 item at my home. Claiming process was very unpleasant, I sent documents and photos 5 times the entire last week. I kept on calling Nthabiseng to confirm if she got the documents but she never attended to my messages from last Friday, she only called me this morning without even apologising or explaining. So with replacement amount the giving me how will I replace one item on my claim. How do I refer other people to them if we are not taken serious.