Something similar happened to me.
You should be on for the strata insurance deductible, and the strata should cover anything in excess of that. If the damage is less than the strata insurance deductible, then the strata's insurance is no longer responsible. Through your own insurance, you are basically insuring the strata's deductible payment, which you are responsible for. You will have to pay your own deductible on your insurance of the stata's deductible.
Don't know if that makes any sense. However, the strata may be correct here, and it is likely your insurance that is on the hook, as the loss is less than the deductible. It's a courtesy for the strata's insurance to keep you in the loop during the repair process, but they don't have to.
Honestly, I know this sucks, but you're very lucky to only be responsible for $15,000 of damage with a water leak. If someone finds any spot of mold somewhere, they can start tearing apart entire walls, sets of tiling, etc...and the cost will begin to spiral out of control dramatically.
|