Publish to Public as they must know

I had water damage on 10th January 2024 due to a burst braided hose in the wash basin in my end suite causing flooding in my 2 bedrooms upstairs and my lounge, dining rooms, furniture etc. downstairs. Unfortunately, we were away for the day for about 13 hours so this happened in our absence . Anyway, I am Insured with Momentum, not sure if that is good or bad because they make use Digi call , a company that does assessment on building and possession damages on behalf of Momentum. This is where the initial problem starts because they then send out specialists depending on what the damages are, rightfully so . They then wait for all the various report to be submitted to them, they consolidate all the report, do so called analysis which is questionable because they even overlook critical items which they should have assessed. In my case they took more than 3 weeks to send in their final report to Momentum . They do costing which I don't know where they get such good prices from because I done some checks on my own from reputable suppliers and their price are more than what Digicall quotation is, Iwas tolod by a representative from momentum that it is market related , not sure if this is Chinese Market . so this is the first problem, under estimation if they recommend Momentum.to pay you out , you get paid short which doesn't cover your costs. The second severe issue is that Digicall has this way to allege that I am underinsured ( this is the second time in a few months they said that ) , what market figure they use , only they know but they use their own opinion/decision to assess your home which will automatically disfavor you as the insured so Momentum pays you out less due to they state that you underinsured by x percentage . I tried at nauseum to get hold of Momentum and when you eventually get though to their call Centre you can never speak to the same consultant that is put in charge of your claim,you leave messages for a call back , never get a call back , you ask to talk to a manager , never available and also doesn't return call which almost 4 week later caused me to drive to Centurion to their office to get answers because in the meantime we had to sleep here , there and everywhere because our room were inaccessible because the laminate floors swelled up and the beams cracked , but who cares , not insurance nor Digicall .I spent a lot on calls due to regular follow up because you never hear from Momentum or Digicall on the progress of your claim . I still have all calls recorded as evidence. Then Momentum sent out a plumbing company on the night of the 10th January 2024 who failed to sort out the initial problem but in the process damaged the 2 drain pipes and 5 weeks later i had to get a private company to repair because between Momentum and Digicall they were not interested to correct the resultant damage and I had to pay this out of my pocket so I sometimes don't know why we take out insurance , one thing for sure , well in my case they get paid their premiums on time without running around but when you have a claim which is out of your control then you get sent from pillar to post , is if fair or ethical . I have to cut my story short unfortunately but lastly its 2 months now and I still have not got explanation from Digicall on how they establish that I am underinsured but they don't tell you yearly when they do a premium update although I know it's the insured to make sure that you insured correctly and in my case I feel that I am insured sufficiently hence I need an explanation from Didgicall as to how can they say that I am 29% underinsured.