FOS finally determined that the house needed to be rebuilt and the family should be paid $744,000.

Ms Heald's family is still in temporary accommodation now, and the house should be rebuilt by early next year.

Ms Heald says she had never had "so many roadblocks".

She says Suncorp knew she was in an unsafe house with two special needs children, and this was allowed to continue for two and a half years.

Her son has a heart condition and her daughter suffers from anxiety.

"It was really tough," she said.

"We had home and contents insurance like you're supposed to. You're entitled to have a safe house and that's what you have insurance for."