'Pathetic service from Momentum

Good day people, please be aware of your home contents cover with Momentum. They insure your contents and then when its time to settle a claim they rather have you take a loss on your items. Give them credit when they make an appointment for an assessor to come through but then the process after that is a nightmare. We had a burst geyser at home and our furniture got damaged, by the time I got home from work the entire lounge and bedrooms were flooded. A few items namely, dresser and side table in the bedroom was damaged with water and the wood already started to swell. Our items in the lounge were as follows : Dining room table, custom made coffee table, TV stand, a single couch, 2 sets of speakers and a sub). Momentum has then requested that we source quotes for the furniture while they will source quotes for the electronic items. We went looking for items similar to what we have and submitted quotes. We were told that we want the insurance company to put us in a better position than we were already - like really ? Our coffee table was custom made - you dont get it at any retailer. Our bedroom set is a 3 in one , dresser with a mirror, 2 pedestals and a headboard which was purchased as a set, now they only want to replace the dresser hence I said check your policy about such things. Which means I will now have mis matched furniture in my bedroom, how does that put us in a better position that we were in? how does that make any sense? With regards to the coffee table, we were told that its not made with wood...show me the wood expert report so that I can understand this. Momentum does not take inflation into consideration and the best part is that you have to accept furniture from their chosen service provider as they are on their panel. So it doesnt matter what furniture you have in your house , you will be downgraded even though you have insured your contents for a certain amount. For example if you insured for R200k and your claim amounts to R40k , they will probably only be willing to settle on R20k...but we are paying premiums every month. As for the staff, I don't know who Kim is and I dont want too but her service sucks. No return of emails or calls - they should read up and understand their values before making statements as they clearly dont live up to their values. They so nicely increase your household contents cover and the premium due to inflation but on the other hand want to downgrade you and give you sub standard quality of furniture. Pathetic to be honest so please just be ware of such.