1 Portfolio at a glance
Every dwelling, scored. Every risk, visible.
The morning read for an SDA-focused underwriter. Portfolio compliance is a real number. Risk is banded. The two dwellings that need Rebecca's attention today are named, not buried.
🔒 app.vestra.com.au/insurer/meridian
Friday, 4 July · 08:14
Portfolio
Meridian Care · SDA Cover · 342 dwellings, 47 providers, $2.4B cover in force.
Dwellings covered
342
47 providers · 8 states
Portfolio compliance
94.2%
+1.8pp vs Q2 avg
Open incidents
3
1 urgent · under SLA
Claims YTD
$184k/12
$42k reserved · 96% closed
Attention today
Underwriter-facing only. Ops is Emma's job.
Claim in flight · 12 min ago
Hoist fault · 14 Bellbird Lane, Reservoir
SDA-HPS. Guldmann GH3+ fault code B3. Evidence bundle already compiled. Provider: Emma R.
Underwriter review · Due 14 Jul
Renewal · Enliven Residences · 8 dwellings
Portfolio compliance 97.1%. Zero incidents in prior year. Auto-renew recommended pending sign-off.
New submission · Yesterday
Quote request · Kalinya Housing · 4 new HPS dwellings
Vestra records available for 3 of 4. One dwelling awaiting handover pack. Ready for pricing.
Portfolio risk distribution
Dwellings scored on compliance, incident history, and dwelling age.
62%Low risk
26%Medium
10%High
2%Critical
Top-risk dwellings
Sorted by risk score. Click any dwelling to review the audit trail.
Property
Provider
Risk score
Compliance
92 Ridgeway Drive, Craigieburn HPS
Dwelling ID 41982 · Certified 2021
Southgate Community Housing
14 dwellings covered
68 · High
81%3 items overdue
14 Bellbird Lane, Reservoir HPS
Dwelling ID 30293 · Certified 2023
Emma R. (private)
3 dwellings covered
32 · Med
94%Open incident · today
7 Kerridge Court, Frankston FA
Dwelling ID 28114 · Certified 2022
Bayside Access Living
22 dwellings covered
28 · Med
91%Emergency call test overdue
4/22 Oakleaf Ave, Springvale R
Dwelling ID 33501 · Certified 2020
Enliven Residences
8 dwellings covered
14 · Low
98%All current
31 Hearn St, Northcote HPS
Dwelling ID 29418 · Certified 2024
Kalinya Housing
6 dwellings covered
9 · Low
100%Clean 18 months
2 The audit trail
One dwelling. Every certificate, signed.
When Rebecca reviews a dwelling for renewal, she doesn't need a folder of PDFs from the provider. She opens the Vestra file and reads it directly. Every certificate carries a cryptographic hash tying it to the original signed document.
🔒 app.vestra.com.au/insurer/meridian/dwellings/30293
14 Bellbird Lane, Reservoir
Underwriter verdict
Good risk. Renew.
Certification chain
SDA Design Category · HPS
Certified by AustPropCert · Category 4 · Valid to 12 Dec 2028
sha256 · 8f4a…c091
Current
Ceiling hoist · Guldmann GH3+
Load-tested 14 Feb 2026 · 200kg SWL · Certificate GH-2026-3821
sha256 · c012…4a8d
Current
Backup power system
Live test 08 May 2026 · 12-hour battery pass · Report BP-2026-0512
sha256 · 7b3e…f19c
Current
Emergency call system
Last tested 11 Aug 2025 · Under-30-second response · Test window opens 11 Aug 2026
sha256 · 4d2f…b70a
Due Aug
Electrical safety inspection
RCD tested 19 Jan 2026 · Certificate ES-2026-0119
sha256 · 91af…3c67
Current
Gas safety · Type A appliances
Serviced 03 Mar 2026 · Certificate GS-2026-0303
sha256 · 5e88…0d4f
Current
Smoke alarm system
Photoelectric x 3 · Tested 12 Feb 2026 · Compliance report SA-2026-0212
sha256 · d5bc…9f21
Current
Handover pack (Vestra Module 1)
Vestra handover-builder v0 · Signed at practical completion · 22 Nov 2023
sha256 · 2a91…e30d
Archived
Cover in force
Sum insured$3.2M
Annual premium$4,180
Excess$1,500
Renewal date15 Jan 2027
12-month incident history
Closed incidents0
Open incidents1
Claim frequency0.0/yr
Sector avg (HPS)0.3/yr
Compliance score trend
Q3 202591%
Q4 202592%
Q1 202693%
Q2 202694%
3 The claim writes itself
Ada reported at 08:01. The bundle is ready at 08:14.
Because everything's already on the ledger, the evidence bundle a claims adjuster needs is compiled the moment the incident is logged. Signed transcript, service history, response actions, hashes. Not a folder to ask for. A document to open.
Click the open claim to see the bundle
🔒 app.vestra.com.au/insurer/meridian/claims
Live queue · Updated 08:14
Claims
Every incident carries a pre-compiled evidence bundle. Click a claim to open its bundle.
Open claims
3
1 in flight · 2 in review
Median time to close
4.1hrs
vs industry median 14 days
Paid YTD
$184k
12 claims · avg $15.3k
Reserved
$42k
Against 3 open claims
Claims queue
Every entry has a signed evidence bundle attached.
CLM-2026-0704-B3 In flight
13m
open
Reserve $8,400
CLM-2026-0629-K4 Under review
5d
open
Reserve $18,600
CLM-2026-0702-F1 Under review
2d
open
Reserve $15,000
CLM-2026-0621-A2 Closed
3h
to close
Paid $1,240
Vestra.
Evidence bundle · CLM-2026-0704-B3
14 Bellbird Lane, Reservoir · SDA-HPS · Provider: Emma R. · Auto-compiled from the Vestra ledger.
Compiled
04 Jul 2026 · 08:14
All items verified
04 Jul 2026 · 08:14
All items verified
Incident timeline Ledger events · 08:01 → 08:14
08:01:14
Ada reported by voice input. Bedroom, iPad 12.9″. Vestra AAC session.
"The hoist beeps three times when I press up."
sha256 · 3f8d…a1e2 · Transcript signed at source
Ada (participant)
08:01:47
Fault classified as Guldmann GH3+ code B3. Vestra fault-classifier model v3.1. Escalated to HPS urgent-fault SLA.
sha256 · 91cc…047b
Vestra classifier
08:02:03
On-call notified. Guldmann service dispatch API called. Ticket GLD-08772 opened. Kate (next of kin) notified via Vestra SMS.
sha256 · c5f0…d13a
Vestra routing
08:03:22
Support worker on-shift called Ada. Ashan Perera. Confirmed Ada is safe. Hoist not in use.
sha256 · 6a4b…e8f2
Ashan Perera
08:06:11
Guldmann technician dispatched. From Preston depot. ETA 08:42. Technician: J. Rowe.
sha256 · 08e1…ff37
Guldmann dispatch
Appliance history Guldmann GH3+ · Bellbird bedroom
14 Feb 26
Annual load-test passed. 200kg SWL. Certificate GH-2026-3821. Technician: B. Nagy.
sha256 · c012…4a8d
Guldmann
18 Aug 25
Scheduled 6-month service. No issues found. Battery pack tested to 92% capacity.
sha256 · a3f9…c481
Guldmann
22 Nov 23
Installed and commissioned at practical completion. Signed off by Emma R. and Vestra handover-builder.
sha256 · 2a91…e30d
Handover pack
Cover context Meridian Care SDA Cover
In force
Policy MER-SDA-30293-24 · Renewed 15 Jan 2026. Sum insured $3.2M. Excess $1,500. Portable equipment cover includes hoist assemblies.
Meridian
Reserve
$8,400 reserved. Estimated repair cost. Manufacturer warranty covers parts (in-year). Labour + call-out billable.
Meridian
Vestra · this claim
13 min
Reported to bundle-ready
Industry median
14 days
Reported to evidence-in-hand
Compiled by the Vestra ledger. Every timestamp, transcript and hash is verifiable against the source event. This bundle is machine-readable and can be attached to a claim submission without human handling.
One record · signed · verifiable
Page 1 of 1