Icici Lombard — trip delay for usa flight more than 27 hours

My claim related to icici lombard for trip delay for more than 27 hours was reputed on 25/10/2017 after repeated talk / persuasion by myself. It is irresponsible & humiliating approach for treating this case. Claim ref. No: in[protected]. Reason indicated by them that no bills submitted by me. Trip delay does not speak the same and being a solo lady traveler, i made my own arrangement at chicago, usa there and rather saved their money by not providing bills for hotel &taxis etc.
Why they will not make payment o[censored]s$ 500 for delay more than 06 hours?