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Perp, you have been careful not to name your insurer and I'll respect that, but are some insurers noticeably worse than others or is it widespread?

Interesting indeed. And if you then overlay bush fires, cyclones and hailstorms we would all live in some unattractive places. Did we mention droughts?

"Toowoomba" didn't flood. My bro lives there and he said that the main street is a drain. In spite of being subject to flash flooding regularly, nothing is done.

No! What made you believe otherwise?