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Home » Insurance » Does Your Strata Building Contain Non-compliant cladding?

Does Your Strata Building Contain Non-compliant cladding?

Published July 11, 2017 By Tyrone Shandiman, Strata Insurance Solutions Leave a Comment Last Updated November 3, 2020

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If your strata building contains non-compliant cladding, this is what you need to know. The article has been supplied by Tyrone Shandiman, Strata Insurance Solutions.

How Do I Know if My Strata Building’s Cladding is Compliant?

If your building contains cladding and you are unsure whether it is non-compliant, burying your head in the sand could not only pose a risk to the safety of occupants to your building, it could also nullify insurance claims.

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In the wake of London’s Grenfell Tower disaster, which has so far claimed 80 lives, it is no longer possible for any property owner or body corporate to claim they do not know that certain cladding products can pose a major fire risk to properties.

If you have discovered your property contains non-compliant cladding, you have a duty to notify your insurer of the building defect.

There are no current precedent cases specific to cladding for either the insurer or insured to rely on, however, in the past courts have not looked favourably on complacency to such issues.

The best way to determine whether your cladding is compliant is to request a materials certificate from the builder who installed the cladding or product manufacturer. If the cladding is manufactured by a reputable brand, a certificate with the fire rating should be available. In the absence of being able to access such records, a building engineer would be the best qualified professional to provide further information on the compliance of cladding to building code.

Read next: What should you do if you are concerned about flammable products in your building?

Since the Grenfell Tower disaster governments around the world have been scrambling to take appropriate action to respond. This is not the first incident of major damage involving combustible cladding. In November 2014 the Lacrosse apartments in Melbourne’s Docklands and New Years Eve 2015 The Address Hotel in Downtown Dubai suffered significant damage blamed on similar combustible aluminium cladding products.

It appears that with such major loss of life in the Grenfell fire governments are only now taking action in the wake of such devastation. This was unfortunately not a case of “better late than never”.

If you have any concerns in relation to the cladding material used in your building then you should raise these directly with your Strata Manager or appointed Insurance Adviser.

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Tyrone Shandiman
Strata Insurance Solutions
383 Boundary Street Spring Hill, QLD, 4000
Ph: 07 3899 5129
E: [email protected]

Read Next:

  • Queensland cladding laws: The cladding bus has left the station
  • How to Avoiding Combustible Cladding Excess in Your Insurance Renewal
  • Strata Finance: The guide for Owners Corporations

This information is of a general nature only and neither represents nor is intended to be personal advice on any particular matter. Shandit Pty Ltd T/as Strata Insurance Solutions strongly suggests that no person should act specifically on the basis of the information in this document, but should obtain appropriate professional advice based on their own personal circumstances. Shandit Pty Ltd T/As Strata Insurance Solutions is a Corporate Authorised Representative (No. 404246) of Insurance Advisernet Australia AFSL No 240549, ABN 15 003 886 687.

This post appears in Strata News #150.

For more information about flammable cladding on buildings or other details concerning strata insurance, visit Strata Insurance OR Strata Information Pages by State

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About Tyrone Shandiman, Strata Insurance Solutions

Tyrone Shandiman began his insurance career in 2004 working in various roles within the financial services industry. In 2011, Tyrone established an insurance broking practice from his garage providing a wide-ranging service offering for general insurance. Since then, the business has grown to service over 500 clients, with a team of three and a strong specialisation in strata insurance making up 80%-90% of all clients. Tyrone services a range of clients from duplex’s to high rise building and multi-layered schemes and his services extend to providing a comprehensive review of the market for insurance renewals, managing complex claims and day to day enquiries and management of strata policies. Tyrone’s key focus in the business is building long term relationships by servicing clients in line with the core values advice, value, trust & choice. In 2016, Tyrone was awarded Queensland’s Young Insurance Broker of the Year, which is awarded to Insurance Brokers below the age of 35 who exhibit an outstanding level of professionalism and integrity. Outside of work, Tyrone has a keen interest in international travel, fitness, music festivals and the stock market.
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