Most commercial organisations rely on customer ignorance and the only way to overcome it is at the political level.  That is amendments to the relevant legislations’ which require all businesses to provide customers who are currently using the business’s in-house claims and/or dispute resolution process, not only with written reasons why a claim has been rejected, but also advises them as to their further disputation rights.

That is, for instance, if you make a claim with Australia Post under their discretionary compensation process, and Australia Post decide to reject the claim, then they should be required, by law, not only to give you written reasons as to why it was rejected, but also details of what further legal avenues are open to you should you be dissatisfied with the outcome – eg, if you are dissatisfied with this decision you may lodge a complaint with the Postal Industries Ombudsman.  In the alternative you may also commence a small claims negligence action in…

That is you will only ever get bona fide outcome in connection with any house claims and/or dispute resolution processes run by any business, if the business running it knows the customer is aware that the decision is subject to judicial oversight and the customer is aware as how to access it.