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Topic
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Recently, plumbers were on-site to install new water meters. During this time, the water supply was temporarily cut off. Unfortunately, your tenant left the basin taps open and didn’t realize they hadn’t been turned off properly. When the water supply was restored, water overflowed from the basin, and since the tenant wasn’t home at the time, the water seeped through and damaged the ceilings.
Would this be covered by Strata Insurance?
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As far as I can tell, the lot owner is responsible for the damage to the unit where the leak occurred – which they can claim against their own insurance. And the Owners Corp is liable for the cost of repairs to common property, which they can claim against strata insurance. If there is an excess on strata insurance, the OC can claim charge that to the lot owner who can claim it through insurance or directly from the tenant.
But there is another point here – who is really responsible? If the plumber told the tenants to turn their taps on fully but didn’t tell them to turn them off, surely the plumber is partly responsible, at least.
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