You probably haven’t received any other replies (as yet) because like me, some readers may be confused about how it became necessary for you to take the matter to the Financial Ombudsman Service (FOS) in the first place (?).
How was it that the Owners Corporation’s (O/C) Insurers accepted the Claim of an individual when its Clients resolved at an AGM to regard the incident as a private matter, particularly as the Strata Manager who would customarily be the Insurers “Agent” was a party to that resolution? Who signed for the Insured Party on the Claim?
Unlikely as it may be, the O/C may have wished to settle the Claim itself, so again I’m confused about how it eventuated that the O/C’s Insurers accepted the Claim without any prior discussions with its Client or with its “Agent”.
What is the progress of the Claim at this point, because even though the authority of the FOS doesn’t assist, it has stated that it disagrees with the Insurers decision to indemnify the Claimant?
Sorry for more questions as opposed to answers, but as I said to begin with, I’m confused about how the Claim was accepted in the first place.