Question: The fence in my backyard was knocked down during Cyclone Alfred. Why is this damage not covered by the body corporate or contents insurance?
The fence in my backyard was knocked down during Cyclone Alfred. My body corporate tells me the strata insurance does not cover the fence. My contents insurance does not cover the damage, so I am left with the cost of replacing the fence. Why is this damage not covered by the body corporate or contents insurance?
Answer: While the fence might normally be covered, the specific event may be excluded under the policy.
Fences can be covered by strata insurance if the building itself is insured under the strata policy.
However, it’s possible that the event — Cyclone Alfred — may not be covered.
Some strata policies include exclusions like “loss or damage to fences and gates as a result of storm,” which could apply in this case.
While the fence might normally be covered, the specific event may be excluded under the policy.
Tyrone Shandiman Strata Insurance Solutions E: tshandiman@iaa.net.au P: 1300 554 165
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.