Mr Costello says FOS determined on January 11 2017 that the house should be rebuilt.

Suncorp accepted that, but decided to negotiate the amount of a cash settlement.

It needed to get a new scope of works carried out, which took more than three months.

Internal communication shows Suncorp staff complaining of having to "dodge" FOS during this time.

Mr Dransfield accepts that the delay was not acceptable.

In May an offer is finally made of more than $605,000.