Lefty, thanks for your open and prompt answers to all questions.
I now agree with Whale that, for your case, the OC should meet the excess.
And, I never could see any difference in functionality between ceramic tiles and glass splashback.
Having said that, I did like the clause KP quoted from the QLD Act. It changes the onus from the OC having to prove negligence inside a Lot to reject a claim to having to recognise an Act of God to approve a claim.
I also fervently hope that the changes to the NSW Act will classify all floor and wall coverings, including tiles (and splashbacks), as proprietor’s fixtures and fittings. In my opinion, this would have many benefits, especially for renovations.
Anyone agree?