If water damage originates from one strata lot and impacts another in British Columbia, and the strata corporation's insurer determines the damage was caused by a breach of a bylaw, who is responsible for the insurance deductible?

Question: If water damage originates from one strata lot and impacts another in British Columbia, and the strata corporation's insurer determines the damage was caused by a breach of a bylaw, who is responsible for the insurance deductible?

Answer options:

• The strata corporation automatically. ✅ The strata lot owner from which the damage originated, if the damage was caused by their action or inaction, and a bylaw breach is determined.
• The owner of the strata lot that sustained the damage.
• The property manager responsible for the building.

Correct answer: The strata lot owner from which the damage originated, if the damage was caused by their action or inaction, and a bylaw breach is determined.

Explanation: Under the Strata Property Act (BC), if damage originates from a strata lot and is caused by an act or omission of the owner, tenant, or occupant that constitutes a bylaw breach, the strata corporation can charge the deductible back to that owner.