Re: Damage to Unit because of common property defect – Insurance Excess › Flat Chat Strata Forum › Common Property › Damage to Unit because of common property defect – Insurance Excess › Current Page 02/06/2011 at 4:17 pm #12906 eastyFlatchatter Chris What would the situation be if Hasbean was not insured? Would the OC have been liable to pay for his carpet? Or for that matter anything at all damaged due to the leak?