@butterflyness2006 said:Strata have said no it’s our responsibility.
I’d just like to note, and it’s been confirmed to me directly by the strata insurance companies, that you actually don’t need to ask “strata” before making a lot property “fixture or fitting” claim on an OC/BC compulsory building insurance policy.
As a lot owner you can make such a claim directly. The insurance companies have told me that you have that right but they will of course assess your claim. Who pays the excess is another question.
It makes some sense because a lot contents insurer can refuse to cover a lot property fixture or fitting because they know the fixture is already covered by an OC/BC compulsory building insurance policy.
So if you eg accidentally damage a kitchen or bathroom fixture, an OC/BC committee or manager can’t really say “we’re not going let you claim it on the OC/BC’s compulsory building insurance”.