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The ‘Underinsurance’ Trap: Why 2026 Construction Costs Require an Immediate Sum-Insured Review
Rising construction costs, labour shortages, and supply chain pressures are creating a growing underinsurance risk for Australian property owners in 2026. This article explores how outdated sums insured can impact claim outcomes, rebuild costs, and financial recovery following major property losses.

Declan Robinson
May 274 min read


Lismore, Four Years On: What the 2022 Floods Teach Us About Insurance, Recovery, and Preparedness
Four years after the devastating 2022 floods, Lismore remains a powerful case study in insurance recovery, disaster preparedness, and the realities of navigating complex flood claims. This article explores the long-term impacts on communities, insurers, and property owners, and what the lessons from Lismore mean for future flood resilience and insurance outcomes in Australia.

Declan Robinson
May 134 min read


Insurance Claims Dispute and AFCA: What Happens When an Insurer Says No
Denied an insurance claim? Learn how AFCA disputes work, why expert support matters, and how policyholders can secure a fair pay out, even after an initial “no.”

Declan Robinson
Apr 293 min read


5 Critical Autumn Checks Every Homeowner Needs to Protect Their Storm Claim
Protect your home and storm insurance claim this autumn. Learn 5 essential checks for gutters, roof, leaks, weatherproofing, and drainage, to prevent damage, ensure coverage, and safeguard your property.

Declan Robinson
Apr 144 min read


Why Construction and Engineering Insurance Claims Are Different
Discover why construction and engineering insurance claims differ from standard property losses, and learn how early expert intervention, technical evidence, and strategic advocacy can protect your coverage and maximise recovery.

Declan Robinson
Mar 34 min read


Turning a Denied Claim Around: A Case Study in Securing Fair Insurance Outcomes
Denied insurance claim? Learn how Pharos Loss Management overturned a wrongful denial in this AFCA case study. Discover why policy wording matters and how professional claims preparation can secure fair outcomes and fee recovery. Get the settlement you deserve.

Declan Robinson
Feb 123 min read
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