Make a Claim
Lodging a Claim
If you believe that a claim exists under your policy, you can call us on 1300 SCINSURE (1300 724 678). Our friendly, well-trained staff will assist you in getting your claim and repairs underway.
Alternatively, you can submit a claim online.
If your scheme has a Strata Manager or Insurance Broker appointed, you may wish to consult with them beforehand.
Make a Claim
Making a Claim – What to Expect
In the unfortunate event that you need to make a claim, Strata Community Insurance will do our utmost to make the experience as simple, efficient and stress-free as possible. We realise that your time is precious and, as such, we aim to remove unnecessary, time draining processes and additional paperwork.
Under normal circumstances and wherever possible, we aim to turn around standard claims within a 24 hour period with payment being issued within 3 business days. In the event that a claim is more complex, Strata Community Insurance has the experience, know-how and industry contacts to swiftly get your claim set off in the right direction.
To make a claim, please complete and submit a claim online. For any enquiries regarding your claim, please call 1300 SCINSURE (1300 724 678).
Important things to consider before making a claim
Firstly you ought to consider whether a valid claim actually exists under the policy.
With respect to Insured Property, the policy issued is to protect against accidental loss or damage. This is usually a result of a fortuitous, singular, one-off event.
Strata & Community Title laws prescribe that schemes must maintain and repair common property. Most repair work that is undertaken is to rectify damage that has been caused by general ‘wear and tear’, a lack of maintenance or gradual deterioration. Insurance policies generally exclude damage caused by such ‘wear and tear’ or lack of maintenance. Schemes will have reserve funds, commonly known as Administrative funds and Sinking funds, which provide financial resources for both short and long term repair and maintenance to common property. Many of the claims that are excluded from Insurance coverage, are excluded for this reason.
If you are unsure as to whether you have a valid claim, you can call our office to discuss the situation or submit a claim online for review. We will not discourage you from lodging a claim for consideration, and the question of coverage will be fully assessed if you do lodge a claim.
With the above in mind, if you believe that an admissible claim exists for loss or damage caused by an accidental or fortuitous event, and the damage is relatively minor (such as glass breakage), we suggest that the repairs are undertaken and the invoice is submitted to us with a completed Claim Form for consideration.
Should your claim be a little more complex, Strata Community Insurance has the know-how, industry contacts and experience to quickly get your claim up and running and set off in the right direction. Strata Community Insurance can call upon various trades and service providers to assist you where needed. In this instance, it is important that Strata Community Insurance are notified of the claim as soon as possible. Reasonable steps should also be undertaken to mitigate the loss.