This article about insurance implications around using a high-pressure water machine to clean common property has been provided by Tyrone Shandiman, Strata Insurance Solutions.
Question: I have been told that our building manager cannot use a high-pressure water machine to clean our fences or paths due to insurance issues. Could this be correct?
Answer: There are two insurance policies that need to be considered. The body corporate insurance policy and the onsite manager’s insurance policy.
There are two insurance policies that need to be considered. The body corporate insurance policy and the onsite manager’s insurance policy.
Of the strata insurers we deal with (i.e. body corporate insurance), we are not aware of any insurer that have an exclusion related to standard maintenance matters such as high pressure cleaning.
Some insurance policies for onsite managers have exclusions relating to work that should be conducted by a licensed trade such as plumbing, electrical, renovations, building works etc. We have not seen any policy which excludes cover for work involving high pressure cleaning.
My recommendation is to conduct further enquiry with the onsite manager regarding “insurance issues”, specifically if they can request:
Any advice provided by their insurer or insurance broker;
Specific policy conditions or exclusions that relate to high pressure cleaning.
If the questioner can provide me with the information above I will be able to provide further assistance.
This post appears in the September 2020 edition of The QLD Strata Magazine.
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 Advisernet Australia AFSL No 240549, ABN 15 003 886 687.
If you have a question about insurance implications around using a high-pressure water machine to clean common property or something to add to the article, leave a comment below.
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