After heavy rain, we had a roofer come to repair the resulting leaks. In subsequent storms, several of the repaired units experienced further leaks. Would the damage be covered by strata insurance or the roofer's insurance?
Make a claim on your strata insurance and have your insurer follow up or recover against the roofer.
Lodge a claim on your strata policy making sure the insurer is aware that the damage could have been a result of the roofer's actions. The insurer will decide at the end of the claim whether it is appropriate to recover against the roofer for the claim.
You can go through the roofer and submit a letter of demand but that's going to be a very prolonged process. It will go through the roofer's liability insurance. The liability insurer doesn't specifically have the same duty to you as the property insurer in that, they're not bound by time to get a response back to you.
Unless it's a really small claim that you've fixed and got paid for and you're not waiting on anything, I'd firstly recommend making a claim on your strata insurance and having your insurer follow up or recover against the roofer.
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 and the specific coverage afforded under their policy wording. 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.
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Tyrone Shandiman is a seasoned professional in the insurance industry having embarked on his journey in 2004 within the financial services sector. In 2011, he established Strata Insurance Solutions, transforming a garage startup into a reputable firm servicing over 900 clients with a dedicated focus on strata insurance. Tyrone's role extends beyond managing operations and tackling complex insurance matters; he also founded the Australian Consumers Insurance Lobby, championing consumer rights within the insurance industry. Notably, his efforts and expertise have been acknowledged with numerous industry awards. Adding to these accolades, Strata Insurance Solutions was recently named an Australian Top Brokerage by Insurance Business Australia Magazine, a testament to the firm's excellence and leadership in the field. Tyrone is a regular contributor to LookUpStrata.
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