What are the insurance implications if an unqualified owner performs maintenance on a strata property?

From an insurance perspective, there are no specific exclusions related to unqualified maintenance. However, it is highly recommended that the strata corporation and owners engage qualified contractors for any work conducted.

In certain circumstances, individuals may be required to hold proper licenses to carry out specific types of work, such as electrical, plumbing, or tasks exceeding a certain value.

Please note that the strata policy does not cover costs associated with rectifying faulty or defective work.

If an owner or resident is working in a voluntary capacity (i.e., not being paid), they may be covered under the public liability section of the strata insurance policy. Additionally, they have further coverage if injured while performing volunteer work. Conversely, if they are being paid, they should, at the very minimum, have public liability insurance to cover any injury or property damage for which they may become legally liable.

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 Advisenent Australia AFSL No 240549, ABN 15 003 886 687.