poor service delivery

On the 10th October 2017 we had a freak storm in Durban, i live in Clairwood and my land is flat. This resulted in my house flooding, we also had no electricity for 7 days. i have insurance so i was not stressed, i had the 1 assessor come and confirm the damages and 3 others to give quotes on repairs. The settlement i have accepted more out of frustration and signed the agreement. To date have not received any payment. My premium has been deducted on time. it is the holiday period and my home is in a state... but apparently it is my fault that we had the storm, Santam insurance has not done a thing as yet. Everything has been about comparing apples with apples, my lounge set i paid R9999, they do not make those anymore..it is fabric and has solid oak trimmings...Samtam assessor it paying the same amount about 10 years later...it is all about wat the assessor can save on. this has been my first claim. i will never recommend Santam to anyone i am very saddened by the treatment that i received.