What is best practice insurance claim process?
Written by Jessica Tait
Updated at January 18th, 2021
- (Sample) Using Helpjuice
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Import
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Your scheme is insured by CHU, Common property items are the responsibility of the strata company, to repair, maintain and renew and repairs to part lot, the owner’s.
Following is a understanding of the claim process.
- If the damage is caused by incident or accident, (storm, wind etc.) all items may be claimable, if you believe some of these items to be common property please email or call us with a brief outline of what damage there is i.e. roof, internal ceiling etc. and we will determine the process from there.
- If the damage is caused by poor maintenance say to another area of the building i.e lack of roof maintenance – cracked tiles, and they have caused internal ceiling leak, the roof will need to be repaired first by the owner of the roof. Then the question is, is this common property or part lot (owner responsibility)?
- common property;
i the strata company repairs the cause of the leak
ii the lot owner presents a quote to us from their preferred tradesperson for presentation to CHU for water ingress,
iii we will notify you once CHU has approved your quote and you may proceed with repairs
iv once you receive your invoice, please review that it matches the quote , once you are satisfied that the repairs are to your standard forward the invoice to us for reimbursement
v CHU will, in around 2 – 3 weeks reimburse via cheque from the strata company to the lot owner for the full amount, the excess will be paid by the Strata company, cheques are not able to be made out to a third party provider ( contractor)and the invoice for repairs will be the lot owners responsibility - part lot
i the owner repairs the cause of the leak
ii the lot owner presents a copy of the invoice proving the repair has been completed along with a quote from their preferred tradesperson for residual damage, which we will present to CHU for water ingress,
iii we will notify you once CHU has approved your quote and you may proceed with repairs
iv once you receive your invoice, please review that it matches the quote , once you are satisfied that the repairs are to your standard forward the invoice to us for reimbursement
v CHU will, in around 2 – 3 weeks reimburse via cheque from the strata company to the lot owner for the full amount minus the claim excess, cheques are not able to be made out to a third party provider ( contractor) and the invoice for repairs will be the lot owners responsibility