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.
