note: I should probably discuss this with the insurer directly, but I would like to listen to your thoughts before I proceed, i.e. arming myself with as much knowledge as possible before ringing up the insurers.
I live and own a unit in an apartment building, in NSW. I have a content insurance to cover my contents. Recently, my neighbour's shower water leaked into my apartment (due to failed water proof membrane) and causing my floating floor to buckled. I rang up my insurer and they told me floating floor is usually building insurance responsibility, and they will only cover the repair out of goodwill if the building insurance deny our claim. We got a terrible building insurer and the excess for escape of liquid is $5000 now (which if triggered, will be placing burden on our strata fund, as well as increasing the premium next year), and the building insurer happen to extend their cover to floating floor.
Long story short, considering that this damage was not due to my fault, the repair was covered by strata this time. however, I want to make sure that my floating floorboard will be covered by my content insurance (in case that the damage was due to my own fault), and really avoid triggering the building insurance if possible, and I will appreciate if you can give me some advice base on your experience.
Any recommended content insurer? Thanks.