A lot owner’s toilet flexi pipe has burst and damaged the lot owner’s floor boards. Should the lot owner’s insurance cover it? – Katrina, QLD

Q: A lot owner’s toilet flexi pipe has burst and damaged the lot owner’s floorboards. Our strata manager has allowed a claim on the strata insurance. I thought strata insurance was for body corporate liability. Why should the strata insurance pay for the lot owner’s floating floorboards, when it is clear that responsibility for the flexi pipe rests with the lot owner? Shouldn’t the lot owner’s insurance cover it?

A: The body corporate insurance would only pay a claim if it was covered under the policy. There’s a chance it may be an additional cover offered by the insurance company.