Single claim cannot be split
We have an unusual situation. A flood occurred in our building and the damages were below the deductible, which is $25,000. As a result, three suites — 301, 201 and 101 — were damaged, and each owner was instructed to contact their own insurance company to file a claim to repair their units.
The flood was caused by the owners of unit 301 changing their kitchen faucets. Unit 201 did not have homeowner insurance and has refused to repair their strata lot, and now the owners on the second floor are complaining about the smell of mould coming from the unit. One owner visiting the unit has advised that all the carpets are mouldy and damaged.
If we weren’t responsible for the insurance, how can we make the owner repair their strata lot?
The strata council, Seaview Towers
The duty to maintain and repair a strata lot is set under your bylaws and is the responsibility of each strata lot owner. If there are damages to the original fixtures, the strata corporation or the owner would file a claim with the strata insurance provider, if the amount was not under the deductible of the building. If there were three units affected, all three would be under the same claim/incident, so don’t attempt to split the claim to avoid the strata insurance deductible because the homeowner insurance companies will refuse to pay the claim. In your case, no one knows the total amount of the claim because a claim was not filed, and an adjuster did not estimate the total cost of the damages.
If the total amount was under the deductible, then yes, each owner would be responsible to maintain and repair their own strata lot under the bylaws. This is how your strata gets an owner to repair their unit: you enforce the bylaws.
Give notice of the complaint that the unit has not be repaired, and if the owner does not take any action, the strata corporation may enforce the bylaws by imposing fines, and may also use the Civil Resolution Tribunal to obtain a decision ordering the owners to repair their strata lot.
If an order is issued and the owners do not comply, the strata may take further action by making an application to the courts for an enforcement order. In addition to the order for repairs, the strata may also, under the bylaws, request access to inspect the strata lot, which may include an inspection by the local bylaw officer for the city if there are life-safety risks, such as unapproved structural alterations, removal of fire stops or suppression, or a grow op or meth lab. The order for repairs may also name the strata corporation to ensure that if the owner does not make the repairs, the strata corporation will undertake the repairs.
The moral of the story is this: If an owner doesn’t repair and maintain a strata lot, the strata corporation must take the steps necessary to have the repairs done, and the owner will pay the price.
A holiday tip for 2016: If you are going to be away, don’t turn off your heat to save money; turn your hot water heaters down and turn your water off.
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