Does Strata Insurance Cover Water Damage

Yes, Does Strata Insurance Cover Water Damage caused by burst pipes, storms, or accidental leakage. Water damage can often cost a large amount of money to fix and can lead to significant structural damage if not repaired promptly.

Strata insurance covers common property, including walls, floors, and electrical systems. So, in the event of water damage caused by natural disasters such as storms, as well as burst pipes or accidental leakage, strata insurance is there to provide financial protection to the policyholder.

As a strata property owner or tenant, understanding the exact extent of insurance coverage available is essential. In this article, we’ll take a closer look at strata insurance coverage for water damage.

Does Strata Insurance Cover Water Damage


What Is Strata Insurance?

In today’s era, water damage is one of the most common incidents that occur in residential and commercial buildings. When such incidents happen, it often leaves homeowners and strata unit owners in a panic about who should be responsible to pay for damages.

This is where strata insurance comes to play.

Definition Of Strata Insurance

Strata insurance is a type of insurance policy that provides coverage for strata-titled properties and their common areas. Strata properties are those that have shared spaces such as driveways, elevators, or hallways that are owned collectively by multiple unit owners.

Strata insurance policies are designed to protect the strata corporation and unit owners from financial loss related to common areas and shared structures. The policy provides coverage for common property such as buildings, elevators, car parks, pools, and gardens. It also protects unit owners from damages that may occur to their personal property due to fire, theft, water damage, or other insured perils.

Who Needs Strata Insurance?

Strata insurance is mandatory for all types of strata-titled properties, including apartment buildings, townhouses, and condominiums. The policy covers all unit owners and the strata corporation, providing protection against unforeseen incidents such as fire, theft, or water damage.

The strata corporation is responsible for purchasing and maintaining the strata insurance policy. Individual unit owners are not required to purchase separate insurance policies for their units, as the strata insurance policy covers all common areas and personal property within the units.

However, it’s important to note that the strata policy may have limitations, and unit owners may need to purchase additional coverage for specific risks that are not covered by the strata insurance policy.

Strata insurance provides a safety net for strata-titled properties and their unit owners, protecting them from financial loss due to damage or loss of common property or personal property within their units. Therefore, it is crucial to ensure that the strata corporation has adequate insurance coverage to safeguard the best interests and financial well-being of all residents.

What Is Water Damage?

When a flood or water damage strikes a strata complex, many stakeholders wonder who is responsible for covering the costs. If you’re one of these stakeholders, you will find answers. In this post, we explore whether strata insurance covers water damage.

Specifically, we focus on the definition of water damage and the types of water damage.

Definition Of Water Damage

Water damage is a wide-ranging term that describes various types of water-related issues that cause damage to a property. It refers to any destruction or loss to the interior or exterior structure of a property due to water. Water damage could be due to external or internal sources.

External sources include floods, rainwater, and natural disasters, while internal sources include burst pipes or overflowing of pipes, sinks, or toilets.

Types Of Water Damage

Water damage is classified into three types:

  • Clean water damage: This type of damage occurs when clean water from a source such as a pipe or sink floods the property. It is generally safe for humans to come into contact with it.
  • Grey water damage: Grey water is wastewater that is not contaminated by fecal matter or other biological waste. It comes from dishwashers, washing machines, and sinks. Though this type of water damage is not toxic, it can cause discomfort or illness if humans come into contact with it.
  • Black water damage: Black water damage is the most severe type of water damage. It occurs when water has come into contact with fecal matter or other biological waste and can cause severe illness or death if humans come into contact with it. This type of damage arises due to natural disasters, sewage backups, or after a flood.

It is of utmost importance to understand the definition and types of water damage when dealing with strata insurance. If you are unsure of your policy’s coverages or have experienced water damage, it is advisable to contact your strata manager immediately.

Understanding Strata Insurance Coverage

When it comes to owning a strata property, one of the most crucial things you need to understand is what your strata insurance covers. Strata insurance is designed to offer protection to apartment owners, townhouse owners, and those who own units in high-rise buildings.

The coverage helps you during emergencies like natural calamities, theft, and other damages to your property. We’ll explain what strata insurance is, what it covers, and what is excluded from the coverage.

What Does Strata Insurance Cover?

Strata insurance policies are created to cover the common areas of your strata complex, including stairwells, elevators, foyers, pools, and gymnasiums. The policies also cover the property assets that the owners own as part of the strata scheme, such as fixtures, common property, and fittings like sinks and benches.

The following are some common types of damages that are covered by strata insurance:

  • Fire and smoke damage
  • Water damage due to leaking pipes
  • Storm and rainwater damages
  • Theft and attempted theft
  • Impact damages, such as a vehicle collision
  • Vandalism and malicious damage
  • Earthquake and volcanic activity damage

What Is Excluded From Strata Insurance Coverage?

Although strata insurance can cover a wide range of damages, there are a few things that it does not cover. Some examples are:

  • Personal belongings and contents in your unit
  • Damages that you cause intentionally
  • Damages that occurred before the time of insurance
  • Maintenance and wear and tear damages
  • Some types of water damages (e.g., flooding due to heavy rain)

Additionally, strata insurance policies have limits on how much they will pay in a claim. The coverage limits vary depending on the insurer and the policy’s terms and conditions. Therefore, it is crucial to review your policy to know what you’re covered for, including the limits.

It is important to understand your strata insurance policies regarding damages that occur in your complex. Understanding what is covered and what is not covered will keep you informed and aware of any extra costs you may need to pay.

Choosing the right insurer and reviewing your policy periodically will also ensure that the coverage is adequate for your needs.

Does Strata Insurance Cover Water Damage?

Water damage is one of the most common insurance claims made by property owners. Strata insurance offers protection for units or apartments under a strata title. However, many strata property owners are unsure about whether or not their policy covers water damage.

This article will discuss the circumstances in which strata insurance covers water damage and the types of water damage that it does not cover.

In What Circumstances Does Strata Insurance Cover Water Damage?

Strata insurance policies usually cover the cost of repairing damage caused by water leaks from internal pipes, gutters, and roofs. Coverage also includes flooding caused by severe weather conditions, such as storms and heavy rainfall. Strata insurance can cover:

  • Burst pipes
  • Leaking pipes
  • Storm damage
  • Flood damage
  • Overflowing gutters and downpipes
  • Damage caused by firefighting

In the case of accidental water damage, the body corporate or strata management team would need to make a claim through their strata policy to cover the costs.

What Types Of Water Damage Are Not Covered By Strata Insurance?

While water damage from some sources may be covered under strata insurance policies, there are certain types of water damage that are not covered.

  • Damage caused due to lack of maintenance or negligence
  • Damage caused by wear and tear over time
  • Damage caused by water leakage from external sources
  • Damage caused by accidental water leaks from portable appliances such as washing machines or dishwashers
  • Damage caused by groundwater

It’s important to take note of what your strata insurance policy covers, including the inclusions and exclusions. As there are limitations to coverage, strata residences might need to consider having additional insurance coverage to protect against events that might not be covered by the strata policy.

It’s important to be aware of the coverage that is provided by your strata insurance policy and take the necessary steps to add extra coverage where required. Strata insurance coverage varies depending on the policy and company, as such, it’s essential to check your policy documents to clarify what is and isn’t covered.

Documenting The Water Damage

Does Strata Insurance Cover Water Damage

Water damage can cause extensive and costly destruction to a strata property. Unfortunately, it is not uncommon for accidents or natural disasters to occur that result in water damage to your building, belongings, and common property. Therefore, it is essential to understand if your strata insurance covers water damage or not.

We will explore how to document water damage if you ever need to file a claim.

Taking Photos And Video Evidence

The saying, “a picture is worth a thousand words,” couldn’t be more accurate when it comes to documenting water damage. If you want to make a successful claim, it is crucial to take photographs and videos of all the affected areas, including building structures, furniture, electronics, and any other personal belongings.

You can use your smartphone, digital camera, or any other device with a camera to capture high-quality images. Here are some tips to help you:

  • Take photographs as soon as possible to avoid any secondary damages.
  • Take pictures of water levels and damages before starting any cleaning or repairs.
  • Take photos of all visible damages in each room and affected area.
  • Take images of electrical systems, plumbing, and any other water-related infrastructure.

Keeping A Detailed Record Of Damages

If you ever need to file a claim, having an accurate and detailed record of damages can make the claims process much smoother. It is essential to keep comprehensive records of all the damages caused by water. Therefore, you must document all damages, including minor ones.

Here’s what to include in your record:

  • A description of all damages, including a detailed description of the damage, location, and time of occurrence.
  • The estimated cost of the repairs or replacements for each item.
  • Photos of the damaged items.
  • Receipts and invoices for any repairs or replacements you made.

It is also essential to keep all records in a safe place like a cloud-based storage system or a physical location separate from your property to avoid losing them in any further damages.

Documenting water damage is essential if you ever need to make a claim on your strata insurance. By following the above tips, you can make the claims process more manageable and could potentially result in a successful and smooth experience.

Remember, always keep your insurer informed and seek their advice before starting any repairs.

Filing The Claim

Water damage is a common issue, and the unfortunate reality is that it can happen to anyone. In a strata complex, water damage can be particularly troublesome. One of the most pressing questions an owner may face is whether strata insurance covers water damage.

We will explore the ins and outs of strata insurance and water damage, with a particular focus on filing the claim.

Contacting Your Strata Insurance Provider

When it comes to filing a claim for water damage with your strata insurance provider, it’s essential to take prompt action. Remember, the longer you wait, the more severe the damage could become, and the less likely it is that your claim will be successful.

Here are the key points to consider:

  • Contact your insurance provider as soon as possible to notify them of the damage and start the claims process.
  • Make sure you have your policy number and all relevant details regarding the damage and its cause (for example, a burst pipe or leaking roof).
  • If you’re unsure of who your insurance provider is, contact your strata manager or committee for guidance.

Providing Proof Of Damage And Costs Associated

Once you’ve informed your strata insurance provider of the damage, you’ll need to provide evidence to support your claim. Here are the essential points to remember:

  • Take photographs or videos of the damage to support your claim and show the extent of the problem.
  • Obtain quotes from reputable repair professionals to demonstrate the costs involved in repairing the damage.
  • Keep receipts for any expenses incurred as a result of the damage (for example, temporary accommodation costs).

Once you’ve assembled all the necessary evidence, provide it to your insurance provider as soon as possible to avoid any unnecessary delays in processing your claim.

Filing a claim for water damage with your strata insurance provider can be a daunting prospect, but it’s essential to take prompt action and provide all the necessary evidence to support your claim. Remember to consult with your strata manager or committee if you’re unsure of anything, and don’t hesitate to ask questions if you need further clarification.

By following these steps, you can increase your chances of a successful claim and ensure that any water damage is repaired quickly and efficiently.

Maintenance And Repair Of The Building

Water damage is a common occurrence in strata buildings and can be caused by various factors such as storms, burst pipes, or leaking roofs. As a strata owner, it’s essential to understand whether your strata insurance covers water damage. In this blog post, we’ll take a closer look at whether strata insurance covers water damage and how regular maintenance and repair of the building can help prevent potential water damage risks.

Importance Of Regular Maintenance And Repair

Regular maintenance and repair of the building are crucial in preventing water damage. Negligent maintenance can lead to water damage, which can be costly to repair and may not be covered by strata insurance. Here are some key points to keep in mind about the importance of regular maintenance and repair:

  • Regular maintenance of the building’s plumbing system can prevent leaking pipes, which is a leading cause of water damage.
  • Proper sealing of windows and doors can prevent water from seeping into the building during heavy rainfall.
  • Regular inspections of the building’s roof can help identify any potential leaks and prevent water damage.

Identifying Potential Water Damage Risks

It’s essential to identify potential water damage risks to your strata building to take proactive measures before it’s too late. Here are some key points to keep in mind:

  • Conduct regular inspections of the building’s exterior, especially after severe weather events.
  • Look for signs of water damage, such as discoloration or bulging walls.
  • Check for clogged gutters and downpipes that can cause water to overflow and cause damage.

By identifying potential water damage risks early on, you can take proactive measures to prevent them from causing significant damage that may not be covered by strata insurance.

Regular maintenance and repair of the strata building are essential in preventing potential water damage risks. It’s important to conduct regular inspections of the building’s plumbing system, roofs, and exterior to identify any issues before they cause significant damage. By following these key points, strata owners can be proactive in preventing water damage and avoid costly repairs that may not be covered by insurance.

Installing Water Damage Prevention Measures

Water damage incidents can happen at any time and can wreak havoc on your property. As a strata owner, the last thing you’d want is a water damage claim that is not covered by your strata insurance policy. However, with the right precautionary measures in place, you can prevent water damage incidents and ensure that your insurance policy covers you if anything does happen.

In this section, we’ll discuss how installing water damage prevention measures can help protect your property, and what specific measures you can take to safeguard your strata property from water damage.

Installing Sprinkler Systems And Fire Alarms:

One of the first measures you can take to prevent water damage in your strata property is by installing sprinkler systems and fire alarms. These systems can help prevent water damage that may result from fires by detecting and controlling fires before they spread.

The following are key points to remember when installing sprinkler systems and fire alarms:

  • Sprinkler systems are designed to extinguish fires and prevent them from spreading, which can help to reduce water damage incidents that result from fires.
  • Fire alarms are designed to detect fires at their early stages, which can help to reduce the flames before they cause damage to your property.
  • When installing sprinkler systems and fire alarms, it’s important to consult with professional installers to ensure that the system is installed and working correctly.
  • Regular maintenance and testing of the system are essential to ensure optimal function and avoid false alarms.

Securing Windows And Doors To Prevent Water Intrusion:

Another key measure to prevent water damage is securing your windows and doors to prevent water intrusion. The following are some important points to remember when securing your windows and doors:

  • Properly sealing windows and doors can prevent water intrusion during heavy rainfall, which can cause significant water damage to your property.
  • Windows and doors that are not properly secured can allow water to seep through the cracks, leading to water damage to the interior of your property.
  • Installing weather stripping or seals around windows and doors is an effective way to prevent water intrusion during heavy rainfall.
  • Regular inspection and maintenance of the seals around windows and doors can help to ensure optimal function and prolong the life of the seals.

Installing water damage prevention measures is crucial to protect your strata property from water damage incidents. By installing sprinkler systems and fire alarms, securing windows and doors, and ensuring regular maintenance and testing, you can reduce the risk of water damage occurring and ensure that your insurance policy covers you in the event of a water damage claim.

Frequently Asked Questions Of Does Strata Insurance Cover Water Damage

Does Strata Insurance Cover Water Damage During Natural Disasters Like Floods Or Storms?

Yes, strata insurance generally covers water damage caused by natural disasters. Check your policy documents for the specific coverage details.

Will Strata Insurance Cover Water Damage Caused By Leaking Pipes?

Yes, in most cases, strata insurance will cover water damage caused by leaking pipes as long as they are not the result of neglect or lack of maintenance by unit owners.

Is Water Damage Caused By Accidental Spills Covered By Strata Insurance?

No, water damage caused by accidental spills in your individual unit is not usually covered by strata insurance. This is often covered by home and contents insurance.

Can I Claim Damages Caused By Water Leakage In My Neighbor’S Unit On My Strata Insurance?

No, you cannot claim water damage caused by your neighbor’s unit on your strata insurance. Each unit owner is responsible for their individual insurance policies and claims.

What Should I Do If I Experience Water Damage In My Strata Property?

Inform the strata manager and your insurance company immediately. Take photos of the damage and make sure not to throw any damaged items away until assessed by an expert.


Based on our discussion, it is clear that strata insurance policies do cover water damage to some extent. However, the actual coverage and extent of the damage may vary from policy to policy. In order to ensure that your strata property is fully protected, it is important to understand the terms and conditions of your policy.

You may want to consider getting additional coverage depending on the nature and the value of your property. It is also important to bear in mind that prevention is always better than cure. Regular maintenance and inspections may help to reduce the risk of water damage and other potential hazards.

We hope that this article has been informative and helpful in answering your questions about strata insurance coverage for water damage.

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