pensioners being exploited

Evening I would like to express my utter disgust the way my claim was handled I logged a claim with outsurance for my roof that was leaking for my floors and my windows. The outsurance advisor M van Der Merwe attended to my claim. when he came to my property he said all the things I am claiming for is wear and tear, when I questioned him on my flooring and the quality of the flooring he just said that it's old my roof that is leaking both outside and inside he told me I will get a R3000 for, how can outsurance be so pathetic where as you know how much material cost, so for the R3000 I must replace my roof inside buy the material deliver the goods and still pay the company I get to fix it, how ridiculous is that, I pay R9000 a year that equates R800 a month I am a pensioner I pay for building insurance and as soon as a claim is submitted then it's wear and tear. Is the way this reputable company treats its customers would I have received that same treatment if I was a different race do I get this treatment because I am an coloured old lady that must jump and be satisfied because I got/ or getting a lousy R3000. I want OUTSURANCE TO get back to me with this complaint and to fix what I claimed for. I can be contacted on ***