Must a body corporate disclose defect reports to their insurer at renewal?

QLD

Insurance

Does the body corporate have a duty to disclose defects reports to their broker/insurer when renewing their insurance cover?

If an owner pays for building investigations following a defects inspection, should the initial Defects Report and any subsequent Reports be made available to the quantity surveyor commissioned to prepare the next Sinking Fund Forecast?

Does the body corporate have a duty to disclose these reports, and the identified risks, to their broker/insurer when renewing their insurance cover?

If asked why you didn't disclose, how do you justify that?

I think if it affects common property, it is a body corporate expense and I don’t see why it would not be provided to a QS. As to insurance, disclosure is always better, because if asked why you didn't disclose, how do you justify / explain that?

Frank Higginson Hynes Legal E: frank.higginson@hyneslegal.com.au P: 07 3193 0500

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Published: 1 May 2026

Last Updated: 7 Jul 2026

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Answer by

Frank Higginson

Redchip Strata Law

With more than 30 years’ experience in property, management rights and body corporate law, Frank is a beacon of knowledge and a renowned strata-industry expert. Known for his straight-shooting style and commercially driven advice, Frank cuts through the most challenging legal problems to deliver real-world solutions.

An active member of the strata community, Frank generously shares his time and experience to help educate the broader industry on all things strata law. He embraces his role as an industry leader and is committed to continued industry innovation and ensuring everyone in the strata sector has access to practical resources and solutions as they navigate through the strata maze.

He regularly presents to all industry segments and also speaks at Queensland Law Society events on strata law issues to other lawyers. Frank is a regular contributor to LookUpStrata.