Is garage door damage covered by strata insurance for impact on common property?

Whether the garage door forms part of the common property or forms part of an individual lot depends on the registered strata plan and the boundaries of the lot. This determines who is responsible for arranging repairs and making any insurance claim.

If the damage was caused by an unknown vehicle, the strata building insurance may respond, subject to the policy terms, conditions, and applicable excess. The fact that the driveway is common property does not, by itself, determine ownership of the garage door.

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.