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Our building had some work done to the exterior a couple of years ago. As a result, water has been coming in the building (via windows and doors on balconies). Recently during the bad weather, water came in and the strata company arranged for builders to come and assess the damage. However, water also leaked up through my floorboards in the interior of the apartment (not near any windows). The strata originally said they would pay to replace the warping floorboards but are now saying that because the boards were not the “original floor” (i.e. they are alleging the floor was installed by the person I bought the property from about 10 years ago), the replacement is not claimable on the strata insurance. They said the “building insurance” or maybe they mean “builder’s insurance” may pay for the damage. My view is that the damage happened inside my apartment because of work to the exterior. I do not have contents insurance.
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