› Flat Chat Strata Forum › Living in strata › Insurance Excess › Current Page
@kiwipaul said: Even if the door was an internal door (not common property) the Strata building insurance would still cover it, but the person who damaged it would be up for the excess.
Really? Down here in NSW an internal door is the owners’ responsibility and their home and contents insurance might cover it but the pretty sure the building insurers wouldn’t touch it.
I disagree the strata building insurance covers Common property AND lot property, providing it’s a fixture and fitting, which would include all doors, fitted cupboards, fitted kitchens and bathrooms, etc. The contents insurance would only cover the items within the lot that you could easily remove (furniture, clothes, personnel items).
The Strat have a responsibility to insure for the total rebuilding of the lot not just the common property to it’s original condition. I’d be very surprised if your lot was missing internal door, no fitted kitchen or bathroom or any internal walls when it was originally sold by the developer and this is what the building insurance covers (their are a few exception like carpets and curtains not covered which is state dependent).
This applies throughout Oz IMHO.