Full cover vs underinsured laptop

I've just submitted a claim for ASSUS laptop my contribution towards it was for its full value. The consultant that is assigned for this claim explained everything and requested for specifications that I did send. I don't have a challenge with her she's professional and nice. My challenge is with the company when I signed for the laptop I informed their constant about it's price. The amount of my contribution was calculated from that price. Now the same company OUTsurance wants to give me 7k for a laptop that cost 38k although the laptop wasn't under insured. I don't understand that they are asking for specifications while I was paying for a fixed amount that was calculated by their system not me. What is worse out of what I was paying I'll get what they feel like giving me without changing their excess amount. What is the use of asking the amount and promise of paying that amount it laptop can't be fixed? What is the use of calculating installments from the value of that laptop? I also don't want Outsurance to buy laptop because when my TV had a problem their provider that came to fetch TV gave us just a TV not the brand that we have or something close to it. I'm not happy at all