This response to a lot owner’s question about strata title insurance coverage and a plumbed in dishwasher has been supplied by Tyrone Shandiman, Strata Insurance Solutions.
Question: Could you please confirm that a plumbed-in dishwasher is excluded from strata title insurance under Strata regulation in QLD?
Could you please confirm that a plumbed-in dishwasher is excluded from strata title insurance under Strata regulation in QLD? The dishwasher is installed inside the unit and owned by landlord but it is plumbed-in.
Strata Insurance says it is not covered under the Strata Insurance policy as per QLD Legislation.
Answer: If it is a permanently built-in dishwasher that is plumbed in then it should fit the definition of building for insurance purposes (like with ovens).
Under the Body Corporate and Community Management (Standard Module) Regulation 2008 for the purpose of insurance building as defined as:
The building includes improvements and fixtures (but not including carpet) forming part of the building, but does not include—
(a) temporary wall, floor and ceiling coverings; or
(b) fixtures removable by a lessee or tenant at the end of a lease or tenancy; or
(c) mobile or fixed air conditioning units servicing a particular lot; or
(d) curtains, blinds or other internal window coverings; or
(e) mobile dishwashers, clothes dryers or other electrical or gas appliances not wired or plumbed in.
If the dishwasher is able to be removed by the owner then it is my understanding that it does not fit the definition of a fixture and needs to be claimed on the owners landlords insurance.
If it is a permanently built-in dishwasher that is plumbed in then it should fit the definition of building for insurance purposes (like with ovens). To avoid any issues with insurance owners should have landlords or contents insurance to avoid gaps in cover.
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This post appears in Strata News #232.
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. This information is designed as a basic guide with relation to cover and you should refer to your Policy Schedule and Product Disclosure Statement for all terms and conditions related to cover under any insurance policy. 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.
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