@Happy Strata said:
The claims you make on insurance may impact the cost of cover in future years. Therefore when residents make dubious claims on the OCs insurance, the OC may incur increased future costs of policies. Therefore a few people pushing the envelope, will result in all residents being burdened with higher costs in the future.Doesn’t seem very fair to me. Just because you can do something, doesn’t mean you should.
It’s certainly a valid point.
But is it fair that an OC could prevent a lot owner from claiming on a policy that the lot owner has contributed to, for an insured event to their lot property that won’t be covered any other way? A lot owner probably won’t be able to claim on their contents insurance (or any other insurance) if the OC’s building policy already covers that insured event.
I suppose the OC’s other option would be to pay themselves.
I asked a couple of strata insurance companies (including CHU) if a lot owner could claim directly for a covered lot property insured event. They said, that as far as they were concerned, they could. That appears to have happened in the link that Sir Humphrey gave, where the lot owner was encouraged to claim and was seen by the OC insurer as an “agent” of the OC.
My OCs have also had insurance claims paid for damage to lot property caused by common property failures or defects. The OC had to pay for the common property failure or defect to be repaired but the OC’s insurance company paid for the consequential damage to lot property.
Perhaps that’s the OP’s situation? It would be interesting to know how the shower screen became damaged due to an insured event.