@kiwipaul said:
Strata building insurance doesn’t cover carpets within the lot, these should be on your contents policy.The only time that the Strata would be liable was if the damage to the carpets was due to a failure of drainage infrastructure or lack of maintenance of the said infrastructure.
Whether the damage was due to extreme weather (contents policy) or Strata negligence (Strata) would depend on who pays.
Not strictly true. The home & contents insurer could say that the failure of common property (the windows) caused the damage so the strata insurance should pay. This would apply if there were windows that didn’t leak.