Those last few posts are precisely why I hesitatingly made reference to the Owners Corporation’s building insurance, as that serves to confuse the matters of the O/C’s liability and that of its insurer with regard to Derek’s problem.
The O/C’s building insurance does not provide coverage for “basically the same as a Home Insurance policy does on a freehold property”, and anomalous or not, neither it nor the O/C is obliged to replace paint on areas of its common property within Lots unless (another complication) the optional insurance policy that’s now available for paint and wall coverings is selected on the O/C’s policy.
So in my opinion, we’re back to the suggestion that Derek submits quotes for painting and water-related repairs to his Lot to his Executive Committee Secretary, copies that to his Strata Manager, advises that he’s prepared to take his claim to NCAT, and hopes that his O/C buckles and adopts the high moral ground as opposed to one of strict liability.