Pls help me address the shorfall

I have recently just had one problem after the othet my biggest loss was that of rain damage. It rains here so often. I claimed on some of the furniture damaged The assesor agrees there was damage and i got paid out a certain amount I really admit that i did not ask questions on the pay out as i was distracted then i received a call to collect the damaged goods. I then try to purchase the replacement furniture and i the discovered the money was inadequate for example two chest of drawers were damaged and the insurance has a quote for R2200.00 each whereas in where o live its like R4500.00 each. Also my desk was not paid out but later when it dried out theres rust. I called the insurance i was then advised to send a quote i dont receive any confirmation or progress and im worried as the salvage company is coming to collect the goods. Pls can i get some help