› Flat Chat Strata Forum › Common Property › Efflorescence Damage to Car › Current Page
I have had a few dealings with damage to cars. So the outcome I have always had is:
1. The OC is not responsible for the car, they maintain and repair common property not private property.
2. The OC insurer will note that it is not covered under the insurance policy.
3. The owner of the car will get very frustrated.
As a SM I would have lodged the claim on behalf of the lot owner, even knowing the outcome as it is not my choice to make if it should be lodged or if it would be successful.
I would advise the car owner to lodge a claim with their insurer noting the OC as the responsible party and let the two insurance companies sort it out at a claim level.
I think there are 2 points to remember. Garages do not need to be waterproof as they are not a habitable area. Also swap (car and paint work) for (cardboard boxes and clothing) the OC insurance coverage and liability is the same. Would that change your opinion on what the OC and SM should be doing?