@Sir Humphrey said:
Here it would be the OC that has to make the claim because the policy holder is the OC, not any individual member of the OC. That is why the OC would pay to do the repair and recoup its costs by claiming on its insurance policy.
Not meaning to nit-pick here but I’ve personally spoken to large strata insurance companies and it’s not the way they see it. They have told me that lot owners are seen as a part of an OC/BC and can even independently make a claim if it’s for their insured lot property.
I’ve also had a recent claim in one of my ACT properties and the OC did not pay for the repairs. I had to pay for the repairs myself and claim back from the OC’s strata insurance. But it worked and the OC’s strata insurance company paid me directly.
But I think the main thing here is to note that lot property fixtures, fittings and even improvements, that might be a lot owner’s responsibility to maintain and repair, can actually be covered by an OC/BC’s strata building insurance. So if an insurable event happens to them an insurance claim can be made.