Outsurance not truthful - Be carefull

Our business insurance is with Outsurance and we pay roughly R33 000.00 perv month for full cover. We had two claims a few weeks ago and not satisfied in how Outsurance is handling the situation 1) Wifi system was hit by lighting - we had to urgently get our network provider to replace everything, as a business we can not be without emails and network. The invoice was for R12 000.00 - new dish, radio and router which we paid. Claims department got back to me and said that the router is now not covered and the rest will be paid out, excess however on this claim will be R7900.00. We decided that it is not worth it and cancelled this claim 2) Laptop, on our policy it shows the value to be R14 000.00 and the cheapest quote we managed to get (without programs) were for R10 000.00 claims department got back to us and said that the amount approved for this claims was almost R8000.00 and that the excess was R2900.00 in the end they paid us R5000.00 for a laptop. We asked them where are we supposed to buy a brand new laptop for this amount - only said sorry. We have communicated our concerns and frustrations with our broker Sheldon Ramsey and this was over a week ago already and we are not getting any feedback on this matter. We also asked for the communications to us regarding the router not specified in the correct place - also no feedback. We trust the product that is given to us and hope that in situations where you need your insurance that they will be there - this is unfortunately not the case. So getting R33 000.00 each month and then to get a payment for R5000.00 for a new laptop - is this what insurance means? Can I pay back your R5000.00 and you deliver a new Lenova as per my policy - you might have the means to do this