Standard Bank insurance service is bad

My review is in regards with the outcome and bad level of service i receive from the abovementioned Insurance company. During December 2022 I contacted Standard Bank informing them that my tv,decoder and stove were damage because of the irregular times of Eskom power. Since that day it was a struggle getting an appropriate assessor. Only on 13 January 2023 a person came out to assess my content..almost 3 weeks after i register my claim,because the standard bank appointed assessor named Roy, failed to honor his/her commitment. The person that eventually came out was a random person who i found out was not an appropriate assessor from Standard Bank with no experience to assess stoves,tv's and stuff, installing dstv was his forté. This person who do not have any experience of tv's and stoves ( according to himself) was instructed by a lady called Lebogang Lam, from Standard Bank to open my tv and stove and sent her some pictures. This guy then opened my tv and stove on instruction of the Standard Bank employee knowing full well that this person was not qualified to open my tv and stove. Afterwards Standard Bank informs me that according to my contract that i was not covered for power surge.I feel it is unfair seeing that i have comprehensive cover on my content.I feel ****** by Standard Bank because now i have to buy the stuff that is lost as well as pay my insurance cover every month like clock work to get such bad service. I demand compensation for my lost items.