Discovery Taking advantage

My name is Philippus Marthinus Coetzee, ID *** 086. CLAIM NO: *** Discovery Insurance Policy Number: ***. My address is 8 Steenbok Street, Hartbeesfontein, North West. On the 25th of December 2021, at around 14:00 we experienced an unusual thunderstorm. My 24kVA generator set that provides power to my residence in case of power failure and load shedding was struck by lightning. I put in a claim for a damaged Deep Sea 4520 Controller and two 63 A SWANFL-11 Contacors as well as for technical services and consumables in the amount of R8206-00. A lady by the mane of Nombulelo Hegeni told me there is no access fees to be paid, only to find out on the 12th January, after I made various calls to Discovery that there is an endor*****t on my policy and that I have an excess fee of R10 000-00. When later on the 12th of January I asked the lady Mpho Mukomo about the excess, she told me that Discovery reviewed my policy on the 4th of September 2021 and made this unprecedented decision. What is very strange, is the fact that this was not communicated to me by e-mail or post or telephonically. This occurrence strangely took place exactly one year after the introduction of the policy. If I knew this, I would have cancelled by insurance with immediate effect. Hence I kept on paying and the total amount exceeds R16 000-00 without me claiming anything during this period. I believe that they are taking advantage of me and thousands of others and that they are opportunists. Can you please assist? My office no is: *** Cell: *** E-mail: ***