Fed Parliament is examining how insurers handled flood claims in 2022 disaster.
Suncorp, IAG and Youi appeared on Monday, issuing apologies for shortfalls.
Suncorp agreed flood-report costs can be prohibitive for affected customers.
Suncorp has conceded insurers have the whip hand when disputes break out with customers about whether a flood or a massive downpour has caused heavy inundation damage.
