The Committee recommends that the General Insurance Code of Practice be amended to require that insurers implement mechanisms to:
- periodically review the evidence relied upon to deny a claim based on lack of coverage under the policy or the application of an exclusion, where a hydrology and other expert report is one component of the evidence, to determine whether reports with insufficient evidence are being given too much weight in the decision to deny the claim
- communicate the level of quality expected by insurers to third parties providing expert reports, and
- more effectively identify concerns with, and provide feedback to, external experts.
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Recommendation 8
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