Hi everyone
Thought I would tap into the collective genius on this site.....got an email from my property manager that a rat had gnawed through a water pipe, resulting in a huge flood of water.
Water was in ceiling cavity so the build-up resulted in part of the ceiling caving in (large hole) and damaging the carpet directly underneath it (and in immediate surrounds too I imagine).
Property manager called the body corporate and they said that they would repair all the damage in the property (fixing ceiling, plastering, repainting as well as replacing any damaged carpet) since the cause of the damage was the water.
However, the body corporate's insurance policy states that they will not cover vermin, so I have been told that I will be liable for any plumber bill (to repair the pipes I imagine). I am questioning this as the source of the damage is not within my unit and I was under the impression that I am only responsible for damage within my unit (up to fixtures and fittings).
As the pipes are in a common shared cavity, shouldn't the body corporate also be responsible for repairing these? Regardless of the vermin clause in their policy?
Would love to hear if anyone has had a similar experience and the outcome - I plan to call the insurance company myself that the body corporate is with to ascertain this as well....
Thanks in advance.....
Thought I would tap into the collective genius on this site.....got an email from my property manager that a rat had gnawed through a water pipe, resulting in a huge flood of water.
Water was in ceiling cavity so the build-up resulted in part of the ceiling caving in (large hole) and damaging the carpet directly underneath it (and in immediate surrounds too I imagine).
Property manager called the body corporate and they said that they would repair all the damage in the property (fixing ceiling, plastering, repainting as well as replacing any damaged carpet) since the cause of the damage was the water.
However, the body corporate's insurance policy states that they will not cover vermin, so I have been told that I will be liable for any plumber bill (to repair the pipes I imagine). I am questioning this as the source of the damage is not within my unit and I was under the impression that I am only responsible for damage within my unit (up to fixtures and fittings).
As the pipes are in a common shared cavity, shouldn't the body corporate also be responsible for repairing these? Regardless of the vermin clause in their policy?
Would love to hear if anyone has had a similar experience and the outcome - I plan to call the insurance company myself that the body corporate is with to ascertain this as well....
Thanks in advance.....