Losses from flooding have been mercifully small this winter - especially when compared with last year's problems.

But a new water problem is worrying personal lines insurers and brokers.

The rising water table has long been a feature of commercial insurance policies with underwriters including exclusions for damage caused by it.

Now, it seems personal lines underwriters - especially at Lloyd's - are getting in on the act by including the same exclusion in domestic property policies.

Brokers are furious. As one broker explained: "I can well understand the provision if you have a 20-foot deep basement, but for a house?"

Let's hope the water table doesn't rise any further or we'll be asking the government to take the same dynamic action that it has over flooding.