Our tier 4 owners corporation disagreed about whether to have flood insurance and resolved by vote to insure each unit individually. The owners corporation insures common areas and the driveway. We are having difficulty locating a strata insurer who will insure individual lots.
We are in a quadplex. Lots are attached via a firewall with common-use post boxes and bin storage, and all pipes go through a common main in unit 1. Are we considered single dwellings if the lots are not standalone? Does the new legislation allow us to continue insuring each unit as an individual home?