TERRIBLE SERVICE - STANDARD BANK INSURANCE

RE - STANDARD BANK INSURANCE had a huge storm which created some minor damage to my water supply pipelines and facial damages to my home...roof and fascia boards. The service provider arrived but was only able to fulfill a partial service by stopping the leak. Without water until the morning when he came back. Upon arrival he demanded an excess fee of R1250.00. SHOCKED. As a policy holder i was never advised about a change of policy and in particular relating to excess fess. The thing that shocked me the most was that even as a layman i could see that the cost to repair was no where near the excess fee, i shudder to think what the actual cost of repair would be. Long story short - i got my job done privately on a Sunday at R400.00. AMAZING. Who is ripping who off here. i have raised a claim for the facial damages but i am terrified at how this will work out for me without an astronomical "excess fee" (whatever this means). We have our bond with Standard Bank as well hence thinking of moving all to a more viable, plausible institution where i will feel we are not being taken for a ride.