Promises

Bought a house a year ago. My first claim for an emergency repair, a burst geyser. Being a family with kids and a newborn it was a real emergency!! Reported the claim with phone call and email. 5 days after claim,I raked in a local repair company to supply and install a new geyser. Still nothing from the insurance. I then send an email explaining and the invoice to the insurer. Two weeks after lodging the claim i received a msg for repair. Wat n gemors!! Its already done, I want my money back. Needless to say I was not paid out the full amount, because my repair company was more expensive on fitment. BUT, my repair company didn't travel 800km to repair my geyser. So what were you charged for travelling costs.