Why do you have insurance if treated like this ?????

On the 21st January 2018,I had an accident where i dropped 2 of my phones which were specified and were unusable due to that. I reported the incident and were told to get a damage report for both phones which I did and were sent in with my claim form. I'm a business owner and have 5 contract phones on my name which are randomly used for private and to run some of the business aspects from. After 3 weeks of back and forth I replaced the one phone out of my pocket as Im down in Gauteng for business and cant be with out a phone. A assesor were appointed in Kzn where my insured property is and made contact with the assesor which wanted to see me before the claim could be finilized. I acplained to him that im in Gauteng and from there going to limpopo and then western cape. Where i were interogated by the assesor Gavin on why do I have so many phones and that he cant believe it. Is there a law of how many phones one person is allowed to have if I can afgord them ? I then got in contact with Dolly du Plooy which is the claims manager and explained what is going on and that I cant be with out phones while trying to run a business. I asked her if theres not an assesor that will be able to see me while im down in Gauteng as I cant wait so lang before returning to Kzn to see the assesor but said no can't do ! So I went to Telkom mobile where the contracts for all phones are held and got the paperwork from them showing that the phones are on my name as well as the imei nr's of the phones that are insured stating very clearly on it that indeed I have this phones assigned to me. After sending the proof of ownership to my broker I were contacted by Dolly explaining that the need the proof of purchase for the phone I replaced. Which i did send to them. The settled that phone in which I took a knock of R4000 less that the amount paid for the phone but I disnt complain as atleast they did something about that. On the 3rd March I replaced the iphone out of my pocket as well sending them the receipt showing that I replaced it out of my own pocket as my laptop are a Macbook and need the devices to be able to communicate while conducting business or traveling through my icloud account. Today(12March) I received a message from my broker that only once the assesor in Kzn meet with me they will be able to finilize the claim. From what I were told the assesor needs to inspect weather my property as well as content were over or under insured which I have no problem with but this have absolutely no impact on the phones that are spesified on my policy as I proved without any doubt that I am in possesion of the claimed phones and that they were on cover when the claimed were lodged. Never even up to now did any one from Alexander forbes even tell me to send or collect the unusable phones from my posession or that I should keep it safe to hand in. I would like Alexander Forbes to do what insurance are suppose to do when you proof without any reasonable doubt that firstly there were a legal claim and that the claimed were infact owned by me. I have no probelm to meet up with the assesor at my insured address to have him inspect my home contents but surely this have no effect on the specified item I claim or replaced as I cant wait around and in the meantime I loose money while I cant be productive without the proper technology I need to generate an income and thus be able to pay my monthly premium by being put in the same position as I were before the insident happened as the case with insurance is. Why do I have insurance if I need to carry myself at the end of the day while Alexander were happy to receive my premiums but let me suffer financial loss as I cant work without my phones.