澳大利亚证券和投资委员会（Asic）发布报告，指出家庭保险公司在理赔中采用现金结算方式，导致受灾房主需自行承担维修费用超支1。根据调查结果，超过63%的最终理赔采用现金结算，其中IAG和安联保险公司在超过80%的案件中采用全额或部分现金结算1。
报告指出，多数现金报价仅基于保险公司偏好承包商的单一报价，可能无法覆盖实际维修成本1。在一个典型案例中，保险公司偏好承包商提供40%折扣报价，保险公司按该较低金额进行现金赔付，但承包商拒绝以该金额进行维修工作1。此外，五家受审查的保险公司中有四家在识别和协助易受伤害客户方面存在缺陷1。
家庭保险成本压力持续加剧。根据Finity分析公司的数据，五年内（至2025年10月）家庭保险保费上涨51%1。澳大利亚统计局数据显示，至7月保险价格上升4.2%，快于同期3.5%的通胀率1。保险理事会估计，2020年代极端天气平均每年产生45亿澳元的保险理赔1。
Australia's securities regulator has raised serious concerns about how major home insurers are handling disaster claims. The Australian Securities and Investments Commission (Asic) found that over 63% of final claim settlements were paid as cash rather than through repairs, with insurers IAG and Allianz Australia using cash settlements in more than 80% of cases 1. This practice is leaving homeowners exposed to cost overruns when they must arrange repairs themselves.
The regulator's investigation revealed significant gaps in how cash settlements are calculated. In the majority of cases, cash payouts were based on quotes from only a single preferred contractor chosen by the insurer, which may not reflect actual repair costs in the market 1. One documented case highlighted this problem: an insurer's preferred contractor provided a quote at a 40% discount, and the company paid out the cash settlement based on that reduced figure—yet the contractor subsequently refused to perform the work at that price 1. Additionally, Asic found that four out of five insurers examined had deficiencies in identifying and assisting vulnerable customers 1.
The findings come as home insurance costs have surged dramatically. Analysis by Finity found that premiums rose 51% over a five-year period through October 2025 1, while the Australian Bureau of Statistics reported that insurance prices increased 4.2% through July, outpacing the inflation rate of 3.5% 1. The Insurance Council of Australia estimates that extreme weather events in the 2020s generated an average of A$4.5 billion in claims annually 1.
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