Horrible insurance claims Alexander Forbes

I am staying with two kids in Modder East, Springs. On the 06 July 2018, I had a burglary at my place while I was at work and the kids were not around at home. I received a call from ADT, however the burglar's were already inside the house and when the ADT officer came in it was too late, as the garage door was opened, and the door to the house was badly broken. He called the police and all waited for me as I'm working in Johannesburg.

The same day after receiving the case number, I called Alexander Forbes my insurance. I couldn't get through until 20min someone answered, and I was told I have to wait for Monday, as the department dealing with property(household) claim is closed. I finally spoke to the sales assistance on Monday, who quickly helped and send a claim form. I completed everything and the forms were sent Tuesday 10 July with all the documents requested.Alexander Forbes send an assessor only on 13 July 2018. He came before me as I was stuck in traffic from work, at the time when I arrived, he already asked the kids few questions .I was told that Alexander Forbes does not cover the gate motor and the door as is the part of the house hold structure.Surprisingly, January 2018 Alexander Forbes deposited R10 000 in my account to fix the mulfunctioninh gate motor. Over and above, the TV was ******, a wedding ring and watch, cosmetic Jewellery and my son''s sneakers and two watches.

I was given a form to complete by the assessor and I have to attached quotes and very proof of all those goods. At that moment I did not have any proof as everything in the house was bought cash. I submitted the TV remote and few pictures of the Samsung (55)cm. When he left the house, he mentioned the the doesn't have a proof that the TV was 55cm I never responded. I submitted everything on Monday, however waiting for activation report from ADT, which was also submitted the same Monday 16 July 2018. Wednesday I wrote another email , asking that what is happening with the claim, a consultant called and notified me that the assessor approved the claim and he will send a document to sign for the settlement. I'm insured for R440 000 and currently my house content +-R290 000. I claimed for almost R29 000, with the following qoutes: 1. Wedding ring R10999.00 2. Samsung TV 55cm R12999.00 3. Jewellery watch R1099.00 etc...

The assessor told me that Alexander Forbez approved a settlement of R5000 for the TV, as the evidence is not enough, the ring was excluded as I did not have the proof.

The following : 1. A watch , with limited proof was settled 2. Cosmetic jewellery, without proof was settled 3. My son two watches without proof, they were settled 4. I was given, R5000 for Samsung, as there was limited proof

I just want to know the following : 1. Where is consistency ? If Alexander Forbes does not settle the house hold content without proof, by principle they are not supposed to settle anything, regardless of the police statement and the ADT activation report. 2. Does Alexander Forbe's only settle minimal amount if items ****** without proof, other than assets which are costly with no or minimal proof. 3. Lastly , does the assessor have the right to speak on behalf of Alexander Forbes , telling me that they wont cover the gate motor, which was previously paid? Based on the above, as a client between Alexander Forbes and the assessor , who has the right to ensure that the client deserves considerate treatment based on the principle of.good customer service?

Please help....