Independent Advice
Insurance investigations may require independent assessment of accessibility conditions following an incident, injury or complaint within a building.
Access Central can undertake an investigation to review the existing built environment. This helps determine whether accessibility requirements have been achieved. It also checks whether the building’s conditions may have contributed to the incident.
When Insurance Investigations Are Required
This service is typically required:
- following an accident or incident involving building access
- where a claim has been made against a building owner or operator
- where potential non-compliance with accessibility requirements is alleged
- where insurers or legal representatives require independent advice
- where the cause of an incident is unclear or disputed
These situations require careful, objective and evidence-based assessment.
Assessment Approach
Investigations involve a detailed review of the existing conditions against applicable requirements, including the NCC/BCA and relevant accessibility standards. This may include:
- site inspection and documentation of conditions
- assessment of compliance with applicable requirements
- review of relevant drawings or documentation (where available)
- identification of any non-compliant elements
- consideration of whether the built environment may have contributed to the incident
The assessment focuses on providing a clear understanding of the conditions at the time of inspection. Findings are based on conditions observed at the time of inspection and available information.
Key Considerations
The following factors are assessed to provide an objective and evidence-based understanding of the existing conditions:
- compliance with NCC/BCA and accessibility standards
- condition and maintenance of building elements
- whether any non-compliance is present
- whether the built environment may have contributed to the incident
- distinction between building conditions and user-related factors
Investigations must remain objective and evidence-based, particularly where findings may inform insurance or legal processes.
Risk Considerations
Accessibility issues identified during an investigation may have implications for compliance, safety and ongoing use of the building. Where non-compliance is identified, this may indicate an increased level of risk. It may require further assessment to achieve appropriate outcomes. Rectification might also be needed.
Clear and objective reporting helps stakeholders understand the nature and extent of any identified risks.
Our Approach
Access Central provides independent, impartial assessment of accessibility conditions in the context of insurance investigations. Our approach focuses on:
- accurate documentation of existing conditions
- clear identification of compliance or non-compliance
- objective and unbiased assessment
- preparation of concise, defensible reports
Conclusion
Insurance investigations require careful, independent assessment of accessibility conditions following an incident. Clear and objective advice assists insurers and stakeholders in understanding whether building conditions contributed to the outcome.