One of the biggest issues we see is what happens after those early mistakes. When providers don’t act correctly from the start—whether they weren’t authorised or the insurer didn’t approve the right steps, the claim quietly worsens over time. Twelve months later, the mould is worse, the damage is deeper and the costs have blown out. That’s often when insurers start seeking recoveries, and suddenly providers begin downplaying damage or delaying decisions to protect themselves. Once insurers reali