NOT HAPPY WITH SERVICE

Recently got home to find our curved smart tv had a strange black dot and lines started forming above it, no one had been near it. Called Outsurance and a technician called and asked for pics and did not even take the tv for a proper report, immediately said it was damaged by us, which it was not. Tv is insured for R11k so Outsurance did their calculations and said the TV's replacement value is only R8000, less the R2000 for the excess, then deducting another R1000 for the technician who never took the tv. So we will be getting R5000 for a R11k tv. So I then did some research and it seems to be a common problem on the curved TV which has since been discontinued due to the issue, What do I do now? Will be cancelling my other items on the policy now, after 19 years of paying for insurance with Outsurance. Very disappointed