@scotlandx said:
That may be, but if the damage is due to the negligence or some other act or omission of the owner, then the strata insurer has a claim against that owner. If that were not the case you could go around damaging common property willy nilly. Insurance costs money, every claim you make pushes your premium up. So check with your insurer what their position is, and then deal with the owner and their insurer.
Thanks scotlanx,
this is exactly what I did after I received another email ( yesterday ) from the insurance agent saying that Strata is now responsible for the damage to the skirting boards, gyprock and everything else caused by a leaky spigot in the owner’s toilet. It was merely wear and tear, nothing negligent, malicious or criminal. 
There is the law, there is commonsense and then there is insurance – the latter having nothing to do with the former !