Insurance Causation Reports:
Overturn Unfair Claim Denials.
Independent forensic investigation determining the true proximate cause of building damage across Australia. We separate storm, hail, impact, and flood events from insurer claims of "wear and tear" or "maintenance defect" with BOM radar data and physical metallurgy.
How Insurance Companies Wrongfully Deny Claims
Insurers frequently send panel assessors who issue template reports blaming severe storm or water damage on "pre-existing maintenance defects" or "lack of care" to reject policy coverage.
Storm vs "Gradual Deterioration"
Assessor claims the roof leaked due to old sealant or minor rust, ignoring 120km/h gale-force winds that dislodged flashings and created structural displacement.
Burst Pipe vs "Poor Workmanship"
Insurer refuses water damage compensation claiming building defects, when high water pressure hammer or sudden mechanical joint fatigue was the direct proximate cause.
AFCA Dispute Reversals
The Australian Financial Complaints Authority (AFCA) requires peer-reviewed forensic engineering evidence to overturn claim denials. Our causation reports provide that exact legal proof.
Scientific Causation Analysis That Wins Claims
Under Australian insurance law (Insurance Contracts Act 1984), if an insured peril is the proximate cause of loss, the insurer must respond. We correlate forensic site testing with Bureau of Meteorology historical Doppler radar, wind gust records, and structural fracture analysis.
Has Your Claim Been Denied?
Send us your insurer's denial letter and the assessor's report. We perform a rapid preliminary review to identify flawed assumptions, incomplete testing, and misapplied exclusion clauses.
Submit Claim for Causation ReviewDon't Accept An Unfair Insurance Denial.
Get an independent Insurance Causation Report backed by empirical weather data and forensic building science.