Highly Aggrieved!!!

For weeks we have been without water as a result of a busted geyser which caused damages to our kitchen cupboards and floors. Upon contacting the insurance they refuse to re-instate the property to it's original state claiming that the materials used have been discontinued.... then they want to replace only a portion with a totally different colour top and only re-tile a part of the kitchen and not the entire kitchen and not with the same tile coz that too has been discontinued..... What normal person would want a kitchen looking like a "Klops Kamer" with different floor tiles and different cupboards, so should we one day decide to sell our house, I know for a fact I would not buy a house with a kitchen looking like a carnival. But the insurance recieve the premium on time every month but when it come to the consumers lodging a claim they want to take the cheap and easy way out. To top that off the quotes Standard Bank insurance provided was not even from registered businessess with non-existent contact details and the amount of the quote is so unrealistic any reasonable person would come to the same conclusion. I am not the first that Standard Bank Insurance have done this too, a few family and friends have now shared the exact same experience with standard bank. So I will be taking this matter to the ombudsman, this is a complete *******, why the hell have I then been paying insurance for, I could have invested this money and earned a return sufficient to cover the damages and more, so why must consumers be ripped of and treated this unfairly???????