Winter Property Risks & Mould:
2026 Insurance Guide

Prevent winter mould claims and AFCA disputes

Australia’s damp season sees a surge of moisture complaints and mould reports. Our independent engineering guide helps insurers, brokers and strata managers distinguish storm‑related ingress from occupant‑generated condensation, comply with the National Construction Code and avoid paying for excluded wear‑and‑tear claims. With more than 37 years of experience, Morse Building Consultancy provides unbiased advice you can trust.

What you’ll learn:

  • Why winter increases mould risk and how to reduce it with ventilation and waterproofing.

  • The difference between condensation and leaks so you can avoid paying for excluded wear‑and‑tear claims.

  • How to quickly triage moisture complaints and collect evidence for defensible decisions.

  • When to commission an independent structural assessment to avoid conflicts of interest.

Download the Free Claim-Ready Playbook