Lodge an insurance claim
Record the incident, attach documents, track claim status, and notify affected lot owners.
Before you start
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You have the policy number and insurer's claim contact details (in Compliance → Insurance).
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You have photos, quotes, and any witness statements ready to upload.
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Affected lots have been identified.
Open Compliance → Insurance claims → New claim
Navigate to the Insurance claims section and start a new claim record.
Describe the incident
Enter the date, time, location, what happened, and who reported it.
Attach evidence
Upload photos, video, contractor quotes, and the incident report. The Audit Log records each upload.
Identify affected lots
Tag the lots so owners receive a status notification when the claim updates.
Lodge with the insurer
Click Lodge claim. StrataOwn generates the claim form pre-filled with the policy details; download and submit via your insurer's portal or email.
Update the claim status
As the insurer corresponds, set the status (Acknowledged, Assessor appointed, Approved, Settled, Declined). Affected owners are notified automatically.
Record the outcome
Upload the settlement letter and any payment receipt. Link associated work orders for the repair work.
Frequently Asked Questions
When should we lodge versus self-fund?expand_more
Compare the repair cost against the policy excess and the impact on the next premium. The committee should resolve any claim above a material threshold before lodgement.
What about claims involving a single lot?expand_more
Building insurance generally covers the lot's structural elements but not contents — the owner claims contents on their own policy. Keep both processes recorded separately.
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