kiwipaul said
I’ve got to disagree with you here Jimmy the paint and skirting boards are part of the fixtures and fitting and so they are Strata’s insurance responsibility, NOT the contents policy. The carpets and curtain are contents, and so would be covered by the contents policy.
I don’t actually see how you are disagreeing with me but, in any case, what i said has nothing to do with insurance policies which differ from insurer to insurer, strata scheme to strata scheme and owner to owner. It’s about liability.
If something I own causes a problem for something you own, I am liable. If I am insured for liability, then that’s fine. If I’m not, then that’s tough on me – I still have to pay.
If the OC is insured for this liability then that’s fine but even if they’re not ured for it, they are still liable.
It’s often easier to claim against your own insurance than go through the rigmarole of trying to get a recalcitrant Executive Committee or strata manager to claim against theirs but that’s a commercial decision. It doesn’t change liability.