Discovery building insurance excess of R10k!!!!!!!!

I have been a client fo Discover since 2015, medical, car and building insurance. The service re building claims that I submitted a couple of times was necessary part of maintenance of house and due to loadshedding. However, I was advised last year September that no claims under 10k will be accepted their new policy. However, I just found out today that there is an excess of R10k (who has an excess of 10k) on their claims THIS IS MADNESS!! Firstly my broker that was NOT appointed by me advised me last year that I was considered a high risk and should I have an car accident they will not pay out my claim? Please look at my medical history as well as building claims! I live on my own as a woman and my alarm system due to loadshedding collapsed beyond economial repair, the alarm was beeping at night and therefore a surge protector, 18 amp battery, energizer and diverter had to be installed and it came to R11500. Since I was under the impression that the claim has to be over R10k, I submitted the claim. Nobody came back to me, and I then phoned and got a person who started to raise his voice at me? What kind of client service is this, and then to be told that I have to pay an excess of R10k. I must be incredibly stupid to submit a claim of R11500 and knowing my excess is R10k. I am so sick and tired of Discovery they are only out for themselves! Only yesterday a friend of mine said she was switching insurance (building) and I said do not as they don't accept any building claims less than a R10k, then adivsed me that she has no excess, meanwhile back at the ranch, she was also ill informed!! I then phoned her today to tell her about the excess and she said she will most definitely not be joining them. What is wrong here! I am sick and tired of paying insurance and then get told I cannot claim!!!!!!!