We have had issues of water damage to floating floor boards and these were claimed on our strata insurance where as the carpet was claimed on the owners contents insurance.
I was dubious about this so contacted our insurer. Sure enough, damage to floating floorboards is covered by our strata insurer because they are items or fixtures that cannot be taken with the owner when they move. Carpet however is not covered because, apparently, an owner can take this with them when they move!?! So it comes under and owners contents insurance.
This also applies to items such as dishwashers. An integrated dishwasher (you know the ones that look like a kitchen cupboard) are covered by our strata insurance but one that is freestanding can be taken with the owner so it is under contents insurance.
Why anyone would take their carpet with them when they move is anyone’s guess!
Check with your insurer about what is and isn’t covered in your complex.