Unprofessional Assessment leading to false facts.

My biggest mistake was leaving Nedbank Insurance after 18 years and switching to a cheaper building insurance from Naked. Cheap probably means poor service. I had water damage to laminated flooring stemming from a cracked leaking toilet. Naked Insurance informed me that they won't pay for a new toilet pan and cistern but they will assist with new flooring. The assessor agreed to come see me at 10:30am. He arrived 15 minutes earlier while I was in my bedroom/home office and in a work zoom meeting. I had to leave the meeting to speak to him. He informed me he had another appointment hence him being early. The assessment was done while I was in my bedroom/office and in a meeting. This prevented me from giving my full assistance to the assessor who basically stood at the bedroom door to take pics and measurements. In my opinion a full and professional assessment was not done. The assessment was not done from the agreed time. I can take my business to Nedbank, King Price or Santam after being with Naked Insurance for nearly three years. The audacity to profit off my claims for three years and refusing to repair a small laminated floor is shocking. I shudder to think what should happen should I need to claim for car damages.