OLD MUTUAL QUICK TO TAKE YOUR MONEY AND NOT HONOR WHAT THEY SELL TO YOU

I requested a quotation for the Insurance of my company vehicle of which i was offered household contents cover, cause apparently to brings down your Premium and like every other Customer we all opt for the Better deal, I was then asked to do an inventory of my household contents of everything i thought was valuable i added on, happily given in and most happily accepted by Old Mutual, debit orders have been taken out on time, every month. In March i had an unfortunate incident of a pipe in my downstairs bathroom burst int he middle of the night, i was awaken by my air-con going off and room suddenly became very hot, on inspection my found my entire downstairs in to be in ankle deep water, rushing to close water mains and to sweep out water and take out pics was the most daunting task, when my agent awoke the next morning, i made a call to find out what is my procedure having never claimed before, i filled out the forms, got the quotations and submitted, 3 weeks later i was told they are sending out access-or, happily met him at home and went through every pot and pan and s**** and that time i did not understand what was going on but it seemed as though Old Mutual was now doing what should have been done at inception of this policy. Today i was sent an email by my agent telling me that i am now way Under Insured and against the damage i have claimed R61 000 i am being offered R2075 for being under insured. I need to know who else has been ****med by Old Mutual and what is the Legal way forward.......PLEASE HELP