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raoul, Sorry, I can see that now. But it's a bit worrying to see misleading information being given out by insurance companies.

Raoul, Thanks for that good info. I'm not sure on this. My impression was that the body corporate covered the common areas, as you've said- but anything of the structure of the unit is your own responsibility. If there was a fire, the body corp insruance would replace the shell, but you would...