If a strata corporation incurs a deductible for an insurance claim due to water damage originating from a strata lot, when can the strata corporation charge the deductible back to that strata lot owner?

Question: If a strata corporation incurs a deductible for an insurance claim due to water damage originating from a strata lot, when can the strata corporation charge the deductible back to that strata lot owner?

Answer options: ✅ If the owner was responsible for the cause of the damage and a bylaw permits it

• Automatically, for any damage originating from that strata lot
• Only if the owner refuses to make an insurance claim on their personal policy
• Never, as the deductible is always a common expense

Correct answer: If the owner was responsible for the cause of the damage and a bylaw permits it

Explanation: A strata corporation can charge an insurance deductible back to an owner if the owner is responsible for the damage and a specific bylaw permits this charge-back, as per the BC Strata Property Act.