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.
Liam Walsh writes on investigations and companies with The Australian Financial Review. He has won multiple media awards, worked in Japan and is now based in Brisbane. Email Liam at liam.walsh@afr.com.au