#51751
Austman
Flatchatter

    Does the strata plan insurance cover accidental damage by a non owner in the common property areas?

    Yes, it should.  It doesn’t matter who caused the damage. But give the strata insurance company (or the broker) a call to confirm.   And be aware that if a claim is made, the strata insurance company will then have a right to pursue any other party that they consider liable.  So they might eg pursue your cleaner.

    Does your cleaner have insurance?  If so, that might be a path to first investigate.

    A claim on the strata’s insurance will likely mean there’s an excess to pay.  Some states cover who pays that in their strata legislation.  So check it for your state.  But be aware that you might have pay it.