Excess implementation without Notice

Hi all, I recently did a claim on my content cover.(accidentally damage) . The claim was processed and I was told that I need to pay an excess for this claim . Here's the thing , apon signing up this entire policy of 3 vehicles and content cover there was no excess from the date of implementation. I was told by my broker that there has been an excess added to all policies with no excess due to the recent natural disasters KZN has been experienced. My next questions was where is the proof of communication of excess implementation and my updated policy? I didn't get either. So any input on this matter. Kind Regards Vasen