BAD INSUARANCE COMPANY

My apartment was flooded due to the negligence of one of the employees of the body corporate and my laptop was soaked in water. Santam is the insurer of the body corporate - I would never choose them. The incident happened on 18 April 2017. I was told that I need to go and obtain a quotation (my personal current insurer - outsuarnce - obtains their quotation on their own). I did obtain a quotation for the repair from iStore as my laptop is MacbookPro, which came to R36 000. I was told that I will be paid out. Three weeks later, they needed proof of banking details and then they were missing some signature, and 5 weeks later they asked for a comparative quotation and proof that I did not claim from anybody else. It took me awhile as at the time I was overseas but eventually, I managed to obtain the second quotation which stated that it is not financially viable to repair. Santam was not happy with that, they required an amount, so two weeks later I managed to get a quote for the replacement of the laptop, which came to R34 000. They also needed not only letter from my current insurer but also an affidavit from me that I have not claimed the laptop - so I did waste more of my time, obtained everything they needed. Today, 4 October 2017 - over five months later, they sent me a letter that they will pay me R17000 as a settlement as the expectancy of a laptop according to them is 2 to 6 years and they cannot better my situation by buying me a new machine. I do not want a new machine. There was nothing wrong with my laptop, I just want it repaired - which would have cost them more than buying me a new one. This is the worst insurance company I have dealt with - slow, complicated, making excuses. I only heard that insurance companies have such poor behaviour when it comes to service delivery and I finally experience it.