A couple whose home was devastated by last year's floods have been told by their insurer that they must pay the first £25,000 of any future flooding claim.

Penny and Philip Hall previously had a flooding 'excess' of just £50 on their Norwich Union policy, but they have been told they need to provide evidence of the flood-proofing of their home if they want the new higher 'excess' cut.

They are not alone. Other flood-stricken homeowners are being cast adrift by insurers who are also demanding massive increases in their insurance premiums and formal written proof of their flood defences via reports costing up to £1,000.

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Penny Hall:  My home was wreckedby floods.              Now my insurer wants me to pay £25,000 if it happens again