Little-to-be-proud-of says: ""The one question that no insurance company can answer is, 'What's changed?'""

They can answer it. They have answered it. He doesn't like to hear the answer, so he ignores it.

The answer is flood and fire risks, driven by climate change, both of which increase risk, and the cost of labour and materials, which increases the cost of rebuilding.

Oh, and it's answered _in the article_

https://www.abc.net.au/news/2026-06-18/david-littleproud-accc-insurers-south-west-queensland/106807554