Unfair assessment from underwriters -- Santam

I have a full comprehensive cover for over 20 years , I recently put in a claim against my structural part of my insurance and was totally disgusted with the lack of knowledge from their in-house assessor and builder. The assessor to date has not given a full review of the suite according to the brokerage, in spite of numerous emails. They came back offering 20% of the claim and I didnt even sign the acceptance and the monies were transferred into my account.