NOT PAYING OUT FULL AMOUNT AS STATED IN POLICY

Thursday the 5th March 2015 my geyser burst, I submitted a claim (Claim number ***) and got the geyser replaced. My policy clearly states : WATER HEATING SYSTEMS INCLUDE GEYSERS, BOILERS, SOLAR WATER HEATING SYSTEMS AND ITS PANELS. THIS IS AUTOMATICALLY COVERED FOR R10,000 PER INCIDENT. I have been informed by Mpho Teleko that I will only be paid out an amount of R8200 less excess. Since when do you get to decide, that what I get paid out and what my policy says I am covered for are different. The invoice for the repairs is +-R9900 which is below the R10000 cover as stated in my policy. Nowhere in my policy does it state that the cover amount is dependent on the size of the geyser. I am disgusted that you could mislead people like this. If you do not sort this out, I will contact the Ombudsman.