Claim?.. Nope fill in your inventory first!!

I have insurance with virseker from 2018 now. I updated my house insurance to R120000 about a year ago as my very first call from virseker they told me I can get house insurance from as little as R50K.

I live in a bachelors so there is not too much stuff. Yesterday I registered a claim and now all of a sudden I have to fill in a inventory of everything in my house. I then realized everything can be on there, even my curtains, carpets and clothes. I never even thought that will be included. So naturally after taking hours of Serial numbers and model numbers I realized that I am very close to my R120K without all the other stuff.

Now they need to send out a senior consultant to come check my stuff etc etc.

All I want to know is, why did they not ask me to fill in a inventory list the day I registered for this insurance. Now all of a sudden before I can claim I have to fill it it.

Makes me feel like I am a ***** and not a lekker experience at all!