› Flat Chat Strata Forum › Common Property › Leaking Toilet Pan – O/C’s Insurance? › Current Page
Thanks Mr Strata,
I've had a look at our Insurance Policy and have contacted our Insurer (a 3 letter acronym starting with “C”) to confirm that “Lot Owners Fixtures & Improvements” are covered.
I've also advised the Property Manager that as the toilet pan is the Lot Owner's property, they should arrange for its repair / replacement and send the plumber's paid invoice to the O/C for consideration of a reimbursement.
With regard to whether or not the O/C would make that reimbursement or resolve to make a Claim, and whether that Claim would be paid, is yet to be determined. But as I'm aware that this Owner was advised about the then slightly cracked toilet pan almost 12 months ago, I'm guessing that its gradually deteriorated and that there was therefore no defined “event” involved, and its as you suggest a maintenance matter (or the lack thereof).
I'm going to recommend to the E/C that in the circumstances we don't Claim, but instead offer a reimbursement of the Lot Owner's costs less our excess.
As always that decision will rest with the E/C on which I'm only one vote; so we'll see.
What does everyone think about that approach?