Out of pocket disgusted and deceived!!

We had a power surge at our home on the 21 october , most of our appliances were damaged as well as our structural damage, outsurance had responded and repaired/ replaced our goods within 5 days what a pleasure , then onto the contents claim which is an absolute nightmare we contacted our brokers and opened a claim on the 25 october , after numerous back and forth calls ,on today 11 November they come back to us with a report that they will only cover 4 of the goods listed from the 10 goods , our TVs were purchased in 2016 and were in perfect working condition before the surge now they say that they will not be covered they say it wear and tear on a Samsung 55 inch curve smart tv which costs R25000.00 only after 2 years absolute nonsense!! Our tv now has lines down the side and there is discoloration on the screen something we never had before the surge !! Then we hired a guard and the service fees were within the amount insured for, they now say they will only pay 50% of the claim and outsurance are responsible for the balance after telling them that outsurance will not pay , I even informed the lady handling my claim that I have hired a security as all the security systems were down and could not leave my children without security she assured me that I would be covered I also told her to follow up time and time again as my microwave hasn't been working and with my infant I cannot sterilize bottles or anything now 3 weeks later they come back with this report, absolutely shocking I feel taken advantage of as the service was pathetic right from the start.