Why do i need to lodge a strata insurance claim through the strata manager?

In many strata schemes, the body corporate has authorised the strata manager to administer insurance matters, including lodging and managing claims, as part of their management agreement. If that's the case, owners are usually asked to contact the strata manager first because they are acting on behalf of the body corporate.

However, this is not a legal requirement in every case. The specific process depends on the arrangements between the body corporate, the strata manager, the insurer, and the insurance broker.

If you contact the insurer or the insurance broker directly, they may be able to assist you or lodge the claim, depending on the authority they have been given by the body corporate. In some cases, they may still refer you back to the strata manager if the management agreement requires the strata manager to administer claims.

If you're unsure, you can ask your strata manager why they are handling claims and whether the body corporate has authorised them to manage insurance on its behalf.

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.