Santam Insurance Bad and Proper

Recently had a underground pipe leak,and my water bill amounted to R10000 but unlucky for me I had Santam as an insurancer, there value add they have is R1000 for the water bill that you had no control over,were Alexander Forbes and real insurance companies offer you R15000 to cover the water bill , but when you call there call centre now they will tell you they do the same...*****.....Was mislead by a company that I have been with for the last 10 years with no claims and this is the way they treat you.Santam you can pay me the R1000 but this is the last time I will ever take a policy from you guys..my goal in life now is to not let anybody make the same mistake.