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Where the body corporate insures a building, the “building” includes improvements and fixtures. Examples of these are –

  • Out buildings
  • Closed in Balconies
  • Marinas
  • Fences
  • Walls
  • Docks (non – fueling & non – commercial)
  • Elevators
  • External signs
  • Gates
  • Ducted air-conditioning
  • Escalators
  • External awnings
  • Satellite dishes
  • Swimming pools
  • Masts
  • Underground Services
  • Sinks
  • Towers
  • TV & other antennas
  • Basins
  • Shower Screens
  • Baths
  • Fixed Tiling
  • Stoves
  • Toilets
  • Pontoons
  • Doors
  • Built in cupboards
  • Pergolas
  • Windows
  • Wharves

 

The “building” does not include –

  • Carpets
  • Carpet Underlay
  • Floating Floors
  • Fixtures removable by a lessee at the expiration of the lease
  • Temporary floors
  • Ceiling coverings
  • Temporary wall
  • Wall coverings (i.e. paint)
  • Mobile or fixed air conditioning units servicing a particular lot

 

The body corporate insurance obligation is more extensive than the body corporate maintenance obligations. While a body corporate must insure certain areas within a lot pursuant to the definition of “building”, the owner of the lot, at the owner’s expense, still must maintain the areas.

 

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