Negligent assessments

On the 27 of Jan I had a water pipe that burst in one of my bathrooms. An assessor finally showed up on the 31st of January to assess damage. Response from the insurance company was that the assessor alleged that I had no grout in my bathroom so they do not feel it is warranted to honor my claim. I disputed this then they sent out a second assessor on 10 February. After having to write a review on HelloPeter I finally got a call from Dial Direct 18 February to tell me that they will only cover me for just over 2k to replace part of the ceiling that was opened to fix the damaged pipe. I am not sure how they imagine that it will cost that amount to replace the entire ceiling as it's Isoboard which comes in long panels, in addition I had sound proofing and insulation in the roof. The upstairs tiling has come loose and according to Dial Direct, the assessor stated that it's wear and tear - this bathroom was renovated in 2018 not sure what wear and tear there could possibly be. Kindly also note that I have not claimed for damage to any of my household contents my only interest is in the integrity of the structure of my home. The upper floors are wood and I fear that the structure has been compromised. This is my first claim under my building policy and I find it beyond appalling. I will be reporting this to the Ombudsman.