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No doubt you are right about insurer's refusing to pay for things that aren't insured. However, I have been told that under common law, if a problem on common property results in damage to personal property, the Owners Corporation are liable, regardless of whether or not they are insured.
It's not right or fair for OCs to say they weren't insured so the owner has to pay the bills themselves. What if the owner's insurance refuses to pay or if there's an excess on the policy?
A typical situation would be where repair, say, of common property pipes led to damage and repair of an internal wall of a unit. Who pays the painting bill then?
We've had a few examples of this on this website and on just about every occasion when the Executive Committee has been told it's their responsibility, they have checked with their strata managers or lawyers then paid up. And I think that's right.