@Austman said:
…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…
This is a useful resource for the ACT:
http://web.ocnact.org.au/decisions-by-acat-test#TOC-Insurance