The StrataTech Dashboard is the latest innovation to CHU’s Stratatech system that will streamline the way you manage your strata insurance portfolio.
The new Dashboard feature is part of CHU’s ongoing commitment to innovation and delivering a superior customer experience to brokers and authorised representatives and is especially helpful for those managing a growing portfolio.
What are the benefits of the StrataTech Dashboard?
The StrataTech Dashboard is designed to give you easy access to your most important portfolio information, allowing you to view, prioritise, and report on your strata policies and claims in a more efficient and effective way. It’s an innovative, newly designed view that that integrates seamlessly with StrataTech allowing you to simply sign in to see all your policy and claims information summarised in one centralised view.
Key Benefits:
Your Strata Portfolio – At-A-Glance:
The Dashboard provides a centralised view of all your policies and upcoming renewals. See your open claims, including recently lodged claims for the month. Easily click through and access the specifics of each view.
Improved Workflow, Prioritisation, and Service:
The StrataTech Dashboard is built to improve your workflow by enabling you to focus on the most important tasks. By highlighting urgent matters and helping you prioritise your workload, the dashboard allows you to respond more quickly and efficiently to client needs, ensuring a higher level of service.
Detailed Reports for Data-Driven Decision Making:
With just a few clicks, you can instantly generate detailed reports to help you stay informed and make decisions with confidence. The dashboard provides all the data you need to communicate effectively with your clients, track trends, and ensure your strata portfolios are managed in the best way possible.
How to Access the StrataTech Dashboard:
Getting started with the StrataTech Dashboard is simple. Just log in to your StrataTech portal, and you’ll see your personalised dashboard immediately. From there, you can start using the new features.
There are two tabs on the Dashboard:
Your Policies – displays all your live policies and upcoming renewals.
Your Claims – displays a comprehensive view of your claims, including open, newly lodged, and closed claims for the month
Having all your policies and claims in one place means you can easily stay on top of important deadlines and developments, helping you provide proactive service to your clients. Each tab includes live links which enables you to drill down to more detail, make decisions and take any specific actions required on the specific policy or claim.
We understand that managing strata portfolios can be complex, which is why we continue to invest in innovative solutions that streamline the process and support you in delivering exceptional service. The StrataTech Dashboard is just one of the many steps we’re taking to provide you with the tools you need to work more efficiently, save time, and improve the overall experience for your clients.
This enhancement reflects CHU’s ongoing commitment to innovation and customer experience.
If you have any questions or need support, don’t hesitate to reach out to your BDM or our CHU team.
Living in a strata community means some level of noise is unavoidable. However, loud and excessive noise can quickly disrupt the peace and harmony of your communal environment, creating tension and frustration among residents.
If noisy neighbours are causing you distress, there are some practical steps you can take to address the issue. This guide will explore strata noise restrictions in Australia and how to address a strata noise complaint in your state.
Noise regulations in strata schemes in New South Wales are guided by strata by-laws and local council noise control regulations. While each strata scheme may have specific rules outlined in its by-laws, the general expectation is that all residents should have the right to peaceful enjoyment of their homes without disruption from excessive noise.
Common sources of noise complaints include barking dogs, loud music, power tools, construction activities, and alarms. Noise levels and permissible times for these activities are often governed by your local council, which enforces guidelines under the Protection of the Environment Operations (Noise Control) Regulation 2017.
To ensure compliance with noise standards:
Check your strata by-laws for any noise restrictions specific to your complex.
Refer to your local council for regulations on permissible noise levels and times for activities like construction, power tools, and loud music.
Noise Complaint Process
Most strata noise complaints can be resolved by speaking to the resident. If this doesn’t work, you may contact the strata committee or owners corporation to mediate the issue and remind the resident of the strata by-laws.
If the issue isn’t fixed, you or the owners corporation may contact NSW Fair Trading, which offers a free mediation service.
Saturday and public holidays: before 9am and after 11pm
Sunday: before 9 am and after 10 pm
Any excessive noise outside these hours can incur penalties, including an on the spot fine.
Time Restrictions for Loud Noises (e.g. mowing, music, etc.)
Certain activities may be permitted outside of prohibited times. For example, lawnmowers, power tools, and musical instruments can generally be used during weekdays from 7 am to 11 pm, and on weekends and public holidays from 9 am to midnight, depending on the activity and local council regulations.
Noise Complaint Process
To make a noise complaint in a strata complex in Victoria, you can talk directly to your neighbour and politely ask them to turn the noise down. If this fails to resolve the issue, you can contact your strata manager or committee who will then consult with the neighbour and remind them of the applicable by-laws. If this still doesn’t resolve the issue, you can apply for mediation through the Victorian Civil and Administrative Tribunal (VCAT). Additionally, loud parties or prolonged, excessive noise can be reported to the Victorian Police or your local council.
Strata noise restrictions in Queensland are managed by the Environmental Protection Act 1994, local councils and Queensland Police, and strata by-laws.
Permissible Noise Levels
Quiet hours are managed by local councils. You can find more information on residential noise complaints in Queensland, here.
Time Restrictions for Loud Noises (e.g. mowing, music, etc.)
Noise levels are often restricted between certain hours, such as:
10pm-7am on weekdays
10pm – 8am on weekends
However, the exact period can vary based on the by-laws of the community or strata schemes.
Noise Complaint Process
Depending on the type of noise, you may need to contact different parties. Strata noise complaints can be dealt with by speaking directly to the neighbour and politely asking them to reduce the noise. If this doesn’t work, you can submit a formal complaint to the Strata Manager or Committee. If the issue remains unresolved, an external mediation service can provide free assistance.
Permitted noise levels and time restrictions are subject to the local council and your strata by-laws. You can find information for your council here.
Time Restrictions for Loud Noises (e.g. mowing, music, etc.)
Domestic tools exceeding 45 decibels of continuous noise can only be used between 8am and 8pm daily, and between 9am and 8pm on a Sunday. Councils are responsible for managing noise from construction sites, which should only occur Monday to Saturday from 7am to 7 pm.
Noise Complaint Process
To deal with noise in strata complexes, residents can talk directly to their neighbour in a reasonable manner. If this doesn’t resolve the issue, you can contact your owners corporation. In situations where the offending party continues to breach strata by-laws, the matter can be escalated to a hearing with the magistrates court.
Permitted noise levels and time restrictions are subject to the local council and your strata by-laws. You can find information on your council laws here.
Time Restrictions for Loud Noises (e.g. mowing, music, etc.)
Community schemes and councils have quiet hours when noise levels should be kept to a minimum. For example, a quiet period might be from 10pm to 7am on weekdays and 10pm to 8am on weekends. Outside these hours, certain activities may be undertaken provided they don’t disturb the peace. \
Noise Complaint Process
You may resolve a strata noise complaint by first talking directly with your neighbour. If this doesn’t work, you can contact your strata manager, strata committee, or council to find a resolution. If the noise is happening at night (e.g. a loud party outside of permitted hours), you can contact the police or also seek help from Legal Aid Western Australia.
Noise levels in strata schemes in Tasmania are regulated by strata by-laws, with complaints escalated to local councils for further action.
Permissible Noise Levels
Permitted noise levels and time restrictions are subject to the local council and your strata by-laws. You can find information on your council laws here.
Time Restrictions for Loud Noises (e.g. mowing, music, etc.)
Community schemes and councils have quiet hours when noise levels should be kept to a minimum. Outside these hours, certain activities may be undertaken provided they don’t disturb the peace.
Noise Complaint Process
If directly talking with your neighbour fails to resolve the noise issue, you can submit a formal complaint to the body corporate or lodge a noise complaint with your local council.
Northern Territory NT & ACT
In the NT and ACT, strata noise regulations are managed by local councils.
Permissible Noise Levels
Permitted noise levels and time restrictions are subject to the local council and your strata by-laws.
Time Restrictions for Loud Noises (e.g. mowing, music, etc.)
Prohibited times for noisy activities in the NT are outlined under the Northern Territory Environment Protection Authority Neighbourhood Noise Fact Sheet. In the ACT, acceptable noises and time restrictions are outlined in the Noise Standards.
Noise Complaint Process
To file strata noise complaints in NT and ACT, you can directly talk with your neighbour politely and respectfully. If this approach does not resolve the issue, you can file a formal complaint to your strata manager or committee. If the problem persists or excessive noise is made during quiet hours, you can contact your local council to address the matter.
Tips for Resolving Disputes with Neighbours
Making a noise complaint against a neighbour can be intimidating, particularly if you don’t know your neighbour well or simply want to avoid unnecessary conflict. However, there are steps you can take to resolve the situation amicably:
1. Communicate openly and be aware of strata by-laws
If you feel comfortable to do so, knock on your neighbour’s door and have a chat with them about your noise concerns. Make them aware of your strata scheme’s by-laws and how they apply to your noise concerns. You may even write a note to your neighbours if you feel uncomfortable approaching them directly.
2. Involve strata managers for mediation
Get help from the strata committee members by requesting their assistance to address the issue. You may chat with your strata manager first and ask them for the next steps to take to determine how best to proceed. This may include a formal complaint if the noise is in breach of strata by-laws.
3. Escalate to formal tribunal if necessary
As a last resort, you can notify local authorities whether that be your council, police, or tribunal for further action.
Residential Noise Restrictions FAQs
What are permissible noise levels in VIC at night?
In Victoria, permissible night noise levels vary. Commercial and industrial sites have a limit of 55 dB(A), while indoor entertainment venues must adhere to stricter limits from 11 PM or 10 PM on Sundays. Noise-sensitive areas are limited to 40 dB(A) or the background level plus 5 dB, and public address systems should not exceed 5 dB(A) above the background noise or be audible inside residential dwellings during sleeping hours.
How do I escalate a noise complaint in QLD strata schemes?
To escalate a strata noise complaint in QLD, you can contact your strata manager or committee and issue a formal complaint. You may also contact the police or the local council if the noise is excessive and ongoing outside of quiet hours.
Are there noise by-laws specific to common property in NSW?
Yes, there are noise by-laws in NSW that apply to common property strata schemes. Check your strata by-laws, which will outline what noise is acceptable.
Where can I report persistent noise issues in WA?
If following your strata’s formal complaints process doesn’t resolve the noise issue, you can report noise such as loud parties to the police or your local government authority.
Living in a strata community means being considerate of your neighbours, especially when it comes to noise. Adhering to state regulations and your strata by-laws helps foster a peaceful and welcoming environment for everyone. If you’re dealing with noisy neighbours in your strata complex, you may approach your strata manager or committee for assistance in mediating these matters.
As the strata industry evolves across Australia, several legislative and regulatory changes are set to impact strata insurance and operations. Below is an overview of key reforms by state, highlighting broker and strata manager disclosures, building codes, and other pertinent regulations.
We’re also here to help you make sure you’re ready for these changes. Contact us on 1300 361 263 or info@chu.com.au if you’d like to discuss how new changes may affect you.
New South Wales (NSW)
Several significant changes to strata laws are set to take effect in New South Wales (NSW) in 2025, aiming to enhance transparency and accountability within the strata management sector.
Starting from 3 February 2025, NSW will implement expanded disclosure requirements for strata managers. These reforms mandate strata managers to provide detailed information about their connections with suppliers and developers, as well as any commissions and training services they receive. The aim is to enhance transparency and ensure strata managers act in the best interests of owners’ corporations. Additionally, from 8 November 2024, NSW Fair Trading’s enforcement and regulatory powers have been strengthened to support these disclosure obligations. Further reforms introduced to NSW Parliament on 20 November 2024 include:
Strengthening developers’ accountability for initial maintenance schedules and levy estimates in new strata developments.
Improving oversight of strata management agreements and introducing a statutory duty on building managers.
Protecting owner’s corporations from unfair contract terms in standard form contracts.
Enhancing owner’s corporation obligations to maintain and repair common property.
Supporting the adoption of sustainability infrastructure by requiring consideration at each annual general meeting.
These measures aim to bolster governance within strata schemes and promote sustainable practices.
WA is conducting a five-year review of its strata laws, focusing on the obligations of strata managers. The review addresses requirements for strata managers to act in the best interests of the strata company, including:
Disclosure of any conflicts of interest.
Transparency regarding commissions received.
Ensuring compliance with the Strata Titles Act.
These measures aim to enhance transparency and accountability within the strata management sector.
Want to know more about how these changes may affect you?
If you have questions around how CHU can help support you to ensure your practices relating to placement of insurance comply with these changes across Australia, we’re here to help.
The CHU team were excited to once again, support the Starlight Children’s Foundation through an annual toy drive, with the team donating hundreds of toys, books and gifts across all of the CHU offices in the lead up to the festive season.
CHU team members then volunteered to wrap these gifts into Sparkle Packs which will be delivered to kids in hospitals across Australia by the Starlight team.
Through our CHUrity program, CHU encourages team members to participate in volunteering and fundraising for causes close to their hearts and this initiative is one that brings some joy to children and families who may be spending the festive season in hospital.
Giving back through volunteering
The CHU team once again, proved they love shopping for this special occasion, with hundreds of gifts purchased and put under the tree ready for wrapping and delivering.
Across all states, over 40 team members donned their CHUrity volunteer shirts and enthusiastically wrapped 125 Sparkle Packs — each containing approximately $50 worth of toys and gift items. Our volunteers didn’t stop there — they also handcrafted beautiful Christmas cards, spreading extra holiday cheer with personalised, heartfelt messages.
Building Connections, Sharing Smiles
The day was filled with laughter, positivity, and a genuine sense of purpose for the team. Whether shopping for gifts, wrapping presents, or creating handmade cards, every CHUman contributed to making the season brighter for children in need.
We are proud to partner with the Starlight Children’s Foundation, an organisation whose mission aligns with our organisational values.
CHU’s Sustainability Impact
As highlighted in our annual Sustainability Impact Report, CHU is committed to supporting the community through fundraising and volunteering throughout the year. Our sustainability goals are focused around four key priorities – planet, people, prosperity and partnerships. This initiative is one of many that CHU will endeavour to continue as part of our commitment towards leading the way for a brighter, more sustainable future for our whole community.
Discover more about CHU’s community initiatives and the CHUrity program here.
In the 10th annual Insurance Business Magazine’s Broker Survey, Australia’s insurance brokers have voted CHU the nation’s leading strata insurance underwriting agency for the third consecutive year.
According to this year’s report, the 660 brokers surveyed, “placed more importance on coverage, overall service and turnaround times for new business, showing they value underwriting agencies that offer a smooth process and high-quality service”.
“It’s clear from this year’s survey that reliability has become even more important for brokers when choosing their underwriting partners,” said CHU Chief Executive Officer Kimberley Jonsson. “In addition to those top categories, support for brokers and premium stability also rose in importance amongst those surveyed.
“To be recognised by insurance brokers as the gold standard for strata underwriting three years in a row is a huge achievement but not something we take for granted. I’m proud that our people across Australia are always doing everything they can to support brokers and continue to earn their trust.”
CHU is excited to announce the launch of a new StrataTech enhancement designed to save valuable time when quoting a new CHU residential strata insurance policy.
SmartQuote, part of CHU’s ongoing commitment to technological innovation, automates the input of building data from CHU’s extensive building database. Simply enter the strata plan number and the state, if our database has recent and accurate data SmartQuote will populate the rest of the building information. This will streamline the quoting process, enabling faster turnaround times for Brokers and Authorised Representatives (ARs) in supporting their customers.
This enhancement not only improves efficiency of the quote process, it also reduces the administrative burden and minimises the risk of errors that can occur during manual data entry.
Key Benefits of SmartQuote:
Time-Saving Automation: Automatically populates vital building data, drastically reducing the time spent on populating quote information and being able to complete a quote if the customer does not have all the information to hand.
Increased Accuracy: SmartQuote functionality enhances the accuracy and reliability of the quote by minimising errors associated with manual data entry.
Intuitive Self Service: Designed with our customers in mind, the interface is intuitive and easy to use. This feature further enhances the self-service offering in StrataTech and can be used in conjunction with its existing features.
Improved Customer Service: This time saving feature will mean that intermediaries can speed up the process of quoting for their customers.
“We understand the challenges customers face in managing the large volume of quotes” said Kimberley Jonsson, CEO of CHU. “The new SmartQuote feature has been designed to save time and improve accuracy for Brokers and ARs when quoting new business.”
This enhancement is part of CHU’s strategy to leverage technology in delivering superior products and services to its customers. By continuously innovating, CHU aims to stay at the forefront of the strata insurance industry, offering solutions that meet the evolving needs of Brokers, ARs, Strata managers and property owners.
Interested in learning more about this new feature? Contact your CHU BDM for a demonstration of SmartQuote, and the other time saving features of StrataTech.
Date published: 8 January 2024, updated 9 December 2024
As cities across Australia continue to grow, the use of materials like aluminium composite panels (ACPs) in construction of apartment buildings has been widespread. APM is a term used to describe a flat panel that consists of a core (often polyethylene) bonded between two aluminium metal sheets that are commonly used as the cladding in many medium to high-rise buildings.
ACPs has been in use in Australia since the 1970’s, popular for its versatility, lightweight and low-cost price. However, it was not until the Lacrosse building fire in Melbourne in 2014 and the Grenfell Tower fire in London in 2017 that the widespread use of the combustible cladding (particularly those deemed to have highly flammable cores) came under intense and justifiable scrutiny.
These incidents prompted increased awareness of the risks associated with combustible cladding, leading to investigations, reviews of building regulations, and efforts to address the issue across the country. Given the larges scale use and size of the buildings, this was never going to be an immediate fix, however, regulatory changes across Australia have been made to minimise the potential of new buildings having non-compliant materials and furthermore, any buildings that already have it be assessed to determine if any future action is required.
While the issue of combustible cladding is present across Australia, Victoria particularly faced media attention after the high-profile incidents of the Lacrosse building fire as well as Neo200.
The Victorian Government’s $600 million cladding rectification program ensures Victorians are safer by reducing the risk associated with combustible cladding on residential apartment buildings.
In 2019 the Victorian Government established Cladding Safety Victoria (CSV) to collaborate with owners and owners’ corporations to help them rectify non-compliant or non-conforming external wall cladding products on buildings. CSV provide support, guidance, and connections to appropriately registered and qualified practitioners. This included conducting audits of buildings and providing financial assistance for rectification works.
The risks and defects associated with cladding
One of the most significant risks associated with combustible cladding is the rapid spread of fire across the building’s exterior. This can lead to life-threatening situations and extensive property damage. Even the smallest of fire outbreak in one apartment can escalate quickly if the building has combustible cladding.
Buildings with combustible cladding may face challenges in meeting regulatory compliance standards, but it is crucial that property owners ensure that all safety and compliance standards are met. If this is not done in due course, the property owners will most likely face significant legal and financial repercussions.
It is vital that property owners work with strata managers, brokers and insurers, together with Statutory Bodies, Cladding taskforces or other suitably qualified experts, to assess what needs to be done to tackle any critical issues associated with combustible cladding.
Understanding the defects associated with combustible cladding is crucial for proactive risk management. Some common defects CHU has encountered with cladding include:
Lack of Fire Resistance/Use of products deemed unsafe:
Non compliant combustible cladding materials that are deemed unsafe for use due to the lack the necessary fire-resistant properties, making buildings susceptible to rapid fire spread.
Poor Installation Practises:
Improper installation can compromise the effectiveness of cladding materials, leading to gaps and vulnerabilities that increase the risk of fire propagation, as well as other building defects due to the installation method deployed (such as water penetration)
A collaborative approach to remediation
Mitigating the risks associated with combustible cladding, and complying with regulatory standards will take a multifaceted approach that involves collaboration among strata property owners, regulatory bodies, and industry professionals including strata insurance brokers, strata managers and strata insurance providers.
Risk Assessments:
An important first step was to identify the buildings which have combustible cladding. This included on-site inspections and fire testing of materials. Each state government had put in place a deadline for buildings to self-report the presence of combustible cladding. Once identified, risks were categorised based on the severity of the combustible cladding issue. Factors such as the type of cladding, its location, and the building’s use can contribute to the assessment. Buildings with higher risks should be prioritised for remediation efforts. This ensures that resources are allocated efficiently, addressing the most critical issues first.
Cladding Replacement:
Given the large-scale costs associated with cladding replacement, financial planning and potential financial assistance programs were established by some state governments to assist strata property owners in addressing this costly, but urgent remediation.
Ensuring that all remediation efforts comply with existing building codes and regulations is imperative. This may involve close collaboration with local building authorities to stay informed about any updates or changes in regulations.
Maintaining thorough documentation of the remediation process is essential for regulatory compliance. This documentation may be required for inspections, audits, or other regulatory purposes. Compliance with regulations goes hand-in-hand with ensuring the safety of occupants.
The webinar hosted by CHU and Cladding Safety Victoria underscores the importance of collaboration in addressing combustible cladding issues. By bringing together industry experts, regulatory bodies, and stakeholders, a collective effort can be made to raise awareness, share insights, and develop effective solutions.
Properties with known combustible cladding issues may experience a decline in market value, affecting both homeowners and investors. But the more pressing issue is the safety of all the residents within these buildings, and this is driving the urgency of having cladding identified and assessed by suitably qualified experts to determine what course of action is necessary.
Government regulatory bodies such as Cladding Safety Victoria, are working collaboratively with insurers, strata managers and strata property owners to create a safer and more resilient built environment.
Legal Responsibilities of strata owners
Strata owners have a legal obligation to ensure compliance and safety regarding combustible cladding. Here are some of the key responsibilities of owners corporations:
1. Get a building assessment
Having your building assessed will uncover the type of cladding material used and if it meets appropriate building standards. It will also identify any potential risks and guide you on what action is required, which could include no further action, a fire engineering solution or replacement of cladding.
2. Fire safety measures
It’s crucial to have adequate fire safety measures in place. Strata owners should ensure that the property is well-equipped with smoke alarms, fire extinguishers, and evacuation routes. All fire evacuation routes and protocols should be displayed visibly in all accessible areas of the strata property. Regular fire checks and drills should also be implemented to ensure that residents are familiar with emergency procedures.
3. Keep copies of inspection and certification documents
You need to retain copies of inspection and certification documents for compliance checks. Access to these documents ensures compliance and prepares you for any necessary audits or inspections or to provide to third parties (i.e. insurers) when requested.
Remediation Costs
Due to the significant costs involved in cladding replacement, some state governments have introduced financial planning and assistance programs to help strata property owners manage this critical yet expensive remediation process.
Please contact the appropriate statutory body in your state or territory to determine what assistance may be available to your owners corporation, which may include funding for buildings deemed high risk or access to low interest loan facilities.
Compliance with Building Codes and Regulations: a collaborative effort
Ensuring all remediation efforts comply with current building codes and regulations is essential. This may involve ongoing collaboration with local building authorities to remain informed about any updates or changes.
Thorough documentation of the remediation process is also crucial for regulatory compliance. These records may be needed for inspections, audits, or other regulatory purposes, and they play a key role in ensuring occupant safety.
The webinar hosted by CHU and Cladding Safety Victoria highlights the importance of collaboration in addressing combustible cladding challenges. By uniting industry experts, regulatory bodies, and stakeholders, we can collectively raise awareness, share insights, and develop effective and safe solutions.
The impact of cladding defects on property value and resident safety
However, the primary concern remains the safety of residents, driving the urgent need for qualified assessments of cladding to determine what course of action is needed. Compliance with regulations directly supports the safety of occupants. This includes addressing fire hazards associated with combustible cladding and structural issues that can significantly endanger residents and the property itself.
Government regulatory bodies, such as Cladding Safety Victoria, are actively working with insurers, strata managers, and property owners to foster a safer and more resilient built environment. This collaboration and commitment to cladding safety help ensure that residential strata properties remain conducive to a safe living environment and a valuable investment for its residents and owners.
CHU’s annual “State of the Strata Market Report” 2024 edition (October 2024) is now live.
This comprehensive report delves into the key factors shaping the strata market, focusing on insurance affordability, climate threats and strategies to mitigate risks in strata. It provides a balanced and realistic outlook for the remainder of 2024 and beyond. This report aims to deliver valuable insights for brokers, strata managers, and the broader strata community.
As a renter, your personal belongings are invaluable. Landlord insurance is designed to protect property investors who lease out their strata units or apartments, and covers the unique risks associated with rental properties, including damage caused by tenants, loss of rental income and liability claims. As a renter, landlord insurance does not cover your personal property including furniture, clothing, and electronics. So, if a burglary, fire, or accidental damage occurs, you could be left to cover the cost of replacing these items out of your own pocket. This is where contents insurance may help.
Below, we’ll talk about the importance of contents insurance, what it covers, and how it can help protect you as a tenant/renter.
Importance of Contents Insurance for Tenants
Contents insurance is designed to protect your personal belongings inside your rental property. If these items are stolen or damaged, you could file a claim to cover the cost of their repair or replacement; giving you peace of mind that you’re covered no matter what happens.
Unlike landlord insurance, which covers the property structure and landlords’ possessions, contents insurance is designed to protect the personal items you own. This includes personal belongings both inside and outside the home.
(Some items outside the home are automatically included, up to pre-determined sub-limits, with greater levels of cover available under our Premier Cover or, alternatively, our optional Specified Portables cover. Please check the PDS for full details.)
Consider scenarios such as a burglary, where your laptop is stolen, or in the event of a water leak that leaves your furniture damaged. Without contents insurance, replacing these items can be extremely costly, leaving you with a financial burden that can take months to recover from.
What Does Contents Insurance Cover?
Basic Coverage
Contents insurance covers the cost of replacing or repairing your personal possessions inside the rental property. This includes:
Household goods
Electronic items
Furniture and furnishings
Floor coverings
Internal blinds, curtains
Relocatable light fixtures
White goods
Clothing and other personal effects
Children’s toys
Specified contents
High risk items
All these items are included up to pre-determined sub-limits, with these limits dependent on the level of cover you select.
Exclusions and Limitations
The coverage provided by your contents insurance typically depends on the level of cover you choose. The higher the level, the more events and belongings you’ll be protected against.
There may also be certain exclusions. For example, high-value items like jewellery, artwork, or collectibles may have coverage limits. In this case, you may need to purchase additional coverage for specific or high-value items.
Additionally, intentional damage or wear and tear is generally not covered by contents insurance.
How Contents Insurance Differs from Strata Insurance
Strata insurance policies typically cover the structure of the property itself and common structures, such as hallways, lobbyies, fences, driveways and garages. Contents insurance covers the possessions within your home, such as your furniture and household items.
Landlord’s Insurance vs Tenant’s Contents Insurance
Landlord’s Coverage:
Landlord insurance is tailored to safeguard property investors who lease out their strata units or apartments. Unlike standard home insurance, it addresses the specific risks of rental properties, such as tenant-caused damage, loss of rental income, and liability claims. This coverage offers protection, ensuring landlords are financially secure against unexpected events that could affect their investment properties. As a tenant landlord insurance does not cover your personal belongings within the property.
Tenants Responsibility for Personal Belongings:
Because landlord’s insurance doesn’t cover your personal belongings, it’s your responsibility as a tenant to secure contents insurance to safeguard your items. If your items are stolen or damaged, the landlord’s insurance policy won’t cover the loss. Taking out contents insurance ensures that your belongings are protected and that you can claim for their loss or damage, providing peace of mind in the event of a fire, storm, theft, or accident.
Risks Faced by Tenants
Common Risks:
Fire: Whether caused by a bushfire or an electrical fault, tenants are at risk of losing valuable possessions in a fire.
Water Damage: Heavy rain or a plumbing issue may cause water entry into your property, potentially damaging your possessions.
Storm damage: Extreme weather events such as a storm or cyclone can cause significant damage to your contents.
Theft: A break-in can occur at any time, leaving you with significant loss.
Accidental damage: Whether it’s spilling coffee on your laptop or children’s toys being thrown through the TV screen, accidents can happen when you least expect it.
Liability: If a guest is injured while visiting you in your rental property, contents insurance may also provide liability protection.
Liability Coverage:
Many contents insurance policies also include liability coverage. This protects you from the legal and financial costs if a guest is injured in your home or if you accidentally damage someone else’s property.
How to Choose the Right Contents Insurance Policy
If you live in a strata property you should consider the following when deciding on what policy you need:
A policy that covers your risks: Choose a policy that covers all the likely risks you face as a tenant. For example, if you live in a flood-prone area, ensure your policy covers for damage from flooding.
Coverage limits: Ensure the policy covers the full value of your belongings.
Exclusions: Look for exclusions that aren’t covered in the policy and ensure these won’t affect you.
Customer service: Choose an insurer with a good reputation and easy claims process.
The right extras: There’s a range of extras that may be included in your policy or that you can add on. Liability and cover for sporting goods are popular examples.
Recap of Key Points About Contents Insurance
Contents Insurance is essential for tenants: As a tenant, your personal belongings aren’t covered under the landlord’s insurance. So, if you want your valuable items covered in an unexpected event, you’ll need to take out contents insurance.
It can save you from financial losses: While contents insurance is an additional expense, it can save you a lot of money if your items are stolen, damaged, or lost. Without this insurance, you would have to pay for the repair and replacement of these items from your own pocket.
It’s best to be prepared: While renting, accidents can happen. Whether it’s a natural disaster like a flood or fire, or, your property is broken into, it’s best to have peace of mind that your belongings are protected in such events.
As a tenant, protecting your personal property is your responsibility. Many people mistakenly assume that a landlord’s insurance covers everything. By taking out contents insurance, your belongings will be covered in the event of a natural disaster, theft, or accident.
Contents insurance is a great investment for tenants and there are many reasons why someone would benefit from it. Whether you live in a flood or fire-prone area or are concerned about the risk of break-ins, contents insurance ensures you won’t be left financially vulnerable if something does happen to your possessions. While it may feel like an added expense, the small premium you pay is a fraction of what it could cost to replace your possessions out of pocket.
Date published: 10 January 2024, updated 6 November 2024
As urbanisation continues to reshape our cities, the need for sustainable living practices has become more critical than ever. As we move into 2024, CHU has committed to a sustainability charter and is focused on sustainable development within the built environment.
Living sustainably is a shared responsibility that starts with individual action. If you’re a resident in a strata apartment, you have the power to make a positive impact on the environment right where you live. Embracing sustainable practices doesn’t have to be complicated. Here are five easy ways to incorporate eco-friendly habits into your daily life within a strata apartment setting.
1. Energy-Efficiency – lights, cameras, action!!
You and your neighbours can seek out energy efficiencies across your whole building. Firstly, swapping out traditional incandescent bulbs for energy-efficient LED lights within your apartment and in the common areas. LEDs use significantly less energy and have a longer lifespan, helping you save on electricity bills and reduce carbon emissions. Don’t forget to turn off lights when not needed and unplug chargers and appliances to prevent unnecessary energy consumption.
You may be eligible for solar rebates; it is worth looking into what the options are in your state and what is possible within your apartment complex. If solar is not an option in your apartment complex, make sure you shop around and find a provider who provides cleaner, greener energy options.
2. Minimise Water Usage
Conserving water is essential, especially in strata apartments where water use can accumulate quickly. Opt for water saving/ low-flow shower heads and faucets. If you are an indoor plant lover, a good trick is to put a bucket into the shower and collect the excess water to use on the plants.
It is important to address leaky taps and shower heads quickly, we also recommend getting your flexi hoses checked and replaced if need be – burst flexi hoses is one of the leading causes of claims in apartments and can cause a world of pain for you and your neighbours.
Adjusting the dishwasher and washing machine to eco-friendly settings also go a long way in reducing water wastage, if you replace your appliances make sure you look for the energy and water saving appliances. When replacing appliances, ensure that you dispose of the old ones responsibly through proper recycling channels.
3. Reduce, Reuse, Recycle
Implement the three Rs – reduce, reuse, and recycle – in your daily routine. Minimise single-use plastics by opting for reusable containers and bags. Recycle paper, cardboard, glass, and plastic according to your local recycling guidelines.
Upcycle items whenever possible; repurpose old furniture or decor to give them new life. What is old is new again!! Check out online marketplaces, freecycling groups and street bounty – all of these options help to minimise landfill and gives unwanted items a new life!!
Engage with your strata community to establish proper recycling and waste disposal practices. Check in with your local council as to recycling options and the best way to dispose of your waste including organics and composting. The aim of this is to minimise what goes to landfill.
4. Sustainable Shopping Habits
Shop local is a great way to support your local community and reduce carbon emissions. Local markets are a great place to shop, mingle and enjoy some locally made and produced items. Choose products with minimal packaging or those made from recyclable materials. Consider buying in bulk to reduce packaging waste.
When buying clothes, avoid the mass production options, many of which may not be following modern slavery laws. Do you research before purchasing as to the sustainable practices of the businesses you are purchasing from.
5. Sustainable landscaping and community gardens
In strata the common areas are shared between all owners, this is a great opportunity to collaborate and transform your common areas into sustainable gardens. When adding plants and trees, opt for native plants that require less water and maintenance. This also reduces the need for chemical fertilisers and pesticides. Look into implementing rainwater tanks or recycle water sprinkler systems for gardens.
A community garden is a great way to create a sense of community, there is great satisfaction from seeing the fruits of your own labour and being able to share and enjoy the space and the produce. Depending on how much space, and how many volunteers you can muster up, chickens are also a great addition to a community garden space.
You may not be able to implement all these suggestions in every apartment complex, but even small steps have a huge impact. By adopting these and other sustainable practices into your daily routine, you and your strata committee can significantly contribute to reducing your carbon footprint, conserving resources, and creating a healthier living environment for yourself and your community.
6. Energy tracking tools
To further promote sustainable apartment living, implementing energy-tracking tools such as apps and smart systems can greatly enhance energy efficiency in a strata property. These tools provide real-time data, allowing residents to monitor their energy use and adjust their consumption behaviours. Key tools include:
Smart meters: provide real-time insights into water/electricity/gas consumption.
Mobile apps: Enables residents to track their usage from their phones.
Energy management software: Allows strata managers to analyse energy data and identify any inefficiencies.
Renewable energy solutions: Using solar can generate clean energy and reduce reliance on the grid.
Energy storage systems: Store energy generated from renewables for later use – improving the overall efficiency and reliability of the property’s energy system.
By leveraging these tools, strata owners can empower residents to make more informed energy decisions and reduce their overall consumption.
7. Green certifications
Obtaining green building certifications such as NABERS (National Australian Built Environment Rating System) or Green Star offers numerous benefits for strata properties. Not only do sustainable properties reduce their carbon emissions and energy costs, but green energy solutions enhance the reputation and overall livability of strata properties, attracting eco-conscious tenants and fostering a strong sense of community. An eco-apartment building that is green-certified enhances community diversity and promotes a more engaged neighbourhood. Residents are often more motivated to participate in green initiatives like recycling programs and community gardens, fostering a collaborative community where neighbours can connect over shared interests and goals. Moreover, properties with green certifications tend to have higher occupancy rates and increased rental yields, resulting in a higher property value.
8. Waste reduction programs
Getting residents involved in recycling programs is a great way to make your strata community greener. Programs such as composting initiatives, e-waste recycling drives, community clean-ups, and setting up recycling and compost stations in common areas not only promote a culture of sustainability but also significantly reduce the environmental footprint.
9. Incentives for sustainable living
To truly embrace sustainable apartment living, it’s a great idea to take advantage of the various government initiatives available to support eco-friendly practices. From solar rebate programs (e.g. the Victorian solar panel rebate program provides up to $1,400 for solar panel installation), energy efficiency grants (funding energy-efficient upgrades), water efficiency rebates (reducing water bills for residents), and local council initiatives such as community garden funding and free workshops all help your community go green while reducing any cost-prohibiting factors in doing so.
The Importance of Preparedness
The floods in Northern New South Wales in 2022 that made headlines around the world are a stark reminder of the devastating impacts that natural disasters can cause. The NSW government has predicted that the cost of building and infrastructure damage from natural disasters like this could reach $9.1 billion per year by 2060, as more frequent and severe events increasingly impact homes, businesses, and government infrastructure.
Strata Insurance plays an important role in disaster recovery. In the event of a flood or similar event, having the right insurance can help reduce financial loss and speed up recovery. With flood insurance, insurers like CHU can respond quickly and efficiently when a disaster like this happens.
Understanding Catastrophe Insurance Cover and how CHU can help
What is catastrophe insurance?
Catastrophe insurance is a type of insurance designed to protect against high-cost events such as floods, earthquakes, hail, and fires. Catastrophe insurance applies or an event that the Insurance Council of Australia declares a catastrophe and issues a catastrophe code.
This coverage is essential because it provides additional financial protection for events that lead to an escalation in costs associated with rebuilding, over and above that covered in the standard property section of the policy.. Catastrophe insurance is crucial for helping individuals, businesses, and communities recover and rebuild after severe damage, many of which carry both financial and emotional burdens.
As one of Australia’s largest and most awarded insurance underwriting agencies, CHU makes sure it’s well-prepared for such events. CHU’s nation-wide claims and assessing teams regularly practice and work through simulated scenarios under pressure to ensure they are well-prepared to help customers as soon as possible.
Geo mapping technology used by CHU Insurance
One valuable aid that CHU has established is Geo mapping. It allows you take raw data and turn it into a Geo map. By visualising location data in this way, you can immediately understand information that could otherwise take hours to comb through and interpret.
CHU’s Geo mapping shows all of CHU risks within a certain postcode or location on a single map. CHU can use this data to be proactive in the event of a catastrophe. We can contact customers directly or their brokers and authorised representative in the area to check if the insured needs our help with make safe, repairing damage, emergency accommodation, etc.
This also enables CHU to draw together a net of potentially affected risks which we can then base our resource plan on.
CHUAssess: Streamlining the Claims Process
Speed in assessing what actions and repairs are required is crucial and CHU has established CHUAssess, a unique, agile, internal loss assessment team. Decisions are made on the spot by CHUAssess. It has complete control of on-site assessment and settlement and provides on-site approval of works, speeding up repairs and settlement. The claim is handled by the assessor, not claims consultant – removing a layer in the process.
The assessor will decide what needs to be done with builders and restorers quickly appointed.
CHU has an experienced panel of builders and restorers to ensure quality repairs are efficiently carried out. The panel of restorers was established to ensure there is no long-term impact from the original disaster, such as mould from the water damage. The restorers will ensure the appropriate work is carried out and help reduce claims costs. Plus, the quality of the work is guaranteed by CHU.
Technology is one way of helping our customers. During a surge environment such as a CAT, CHUs broker partners can log into the claim file in Strata tech (CHUs claim operations system) and receive a real time update. Including all the automated updates on the repair process from our Builder platform Endata. Of course the most valuable tool when such disasters as the March flooding strikes is simply – talking to the customer.
We work closely with brokers and strata managers to contact customers to explain what is happening and what we are doing to help.
Talking to a real person in the very stressful time after disaster strikes is an advantage.
Case study: CHU Insurance’s immediate response to the March 2021 floods
In most cases, a catastrophe hits a single area. Not with the March 2022 flooding. This time there were eight areas, spanning 400kms of coastal areas affected by flooding, not including the areas hit by general storm damage (which went into Queensland). So, we plotted all our risks, colour-coded each to show which had flood cover and which had not put together a detailed plan.
As soon as the claims team is contacted they immediately swing into action, triaging the claim and deciding how best to quickly help customers get back onto their feet. For example, to ensure the customers’ property is safe and secure the claims team may organise for temporary emergency make-safe repairs to be carried out before full repairs are started.
Commitment to Customer Support
CHU is deeply committed to supporting its customers through challenging times. By providing adequate strata insurance, we take a proactive approach to catastrophe management, ensuring we are well-prepared to respond quickly and effectively when disasters strike. With advanced tools like Geo mapping and having a dedicated internal team ready to handle your claims, we can make on-the-spot decisions to ensure repairs are completed efficiently. This allows you to focus on rebuilding and recovering without facing any additional financial or emotional stress.
Contact us to learn more about our strata insurance solutions and how we can help protect your strata building.
Date published: 19 April 2021, updated 3 October 2024
The past decade has seen technology advance at a rate like never before, this coupled with upheaval due to COVID-19 has seen the way we go about our daily lives undeniably changed forever. Technology has changed the way we communicate, work, consume television, music and media, how we bank, pay bills and even date.
The rate of change has drastic impacts on all industries. It has manifested itself as new business models while upending old ones, it has disrupted business strategy and increased customer demand. Today, customers demand change, they expect simple, transparent products and services as we adopt and embrace technology; and the strata industry is no different.
Therefore, raising the question, how is technology changing the strata landscape, and what does the future hold for the strata industry?
1. Making our buildings smarter and more secure
Undoubtedly, prevention is better than a cure. Through the application of networked and smart devices in buildings, we could achieve protection of both people and property.
There is an array of devices available in the market:
Smart locks, thermostats and lighting – all of which can be controlled remotely on phones and devices
Water leak detectors – sending alerts and notifications to you and your building manager before a major issue occurs
Smart home energy – enabling the control of appliances remotely and also providing recommendations to obtain better energy efficiency and lower utility costs
Smart garage door devices – being able to open your garage door by a fob or an app on your phone and importantly allowing you to close it remotely in case you have forgotten
In addition to the added security and convenience provided by these devices, adopting such technology reduces energy consumption and lowers a strata building’s carbon footprint. For strata owners, this not only appeals to more eco-conscious tenants and buyers (potentially increasing property value), but it can also lead to significant savings through lower energy bills.
2. Switching to solar and LED
As we become ever more energy conscious, society strives for environmentally sustainable and renewable sources of energy. Such demand has created revolutionary markets, initially with solar and battery storage, through to the creation of electric cars, pushing down emissions and minimising our fossil fuel footprint.
Small and simple changes can revolutionise the way we utilise energy, such as solar panels affixed to buildings to power our homes. This could be then coupled with the installation of battery charging stations to power electric and hybrid cars. Or very simply switching to LED light bulbs in common spaces and within owner’s properties.
Adopting technology like solar panels and smart energy systems transforms strata properties into greener, more sustainable living environments. These simple upgrades make a huge impact on reducing the environmental footprint by minimising energy consumption and over-reliance on non-renewable resources.
As more properties incorporate these technologies, they pave the way for communities and developers to prioritise eco-friendly practices in construction and management.
Such simple steps can help reduce our carbon emission output and associated energy costs which is a win for the environment and a win for the finances.
3. Adopting Virtual Reality
The phenomenon of virtual reality (VR) captivated audiences worldwide through the smartphone game Pokémon Go back in 2016. Now, VR technology is shifting the way the strata industry operates. VR can simplify the sometimes repetitive and time consuming questions needed to obtain necessary building details, as the underwriter can place themselves at the scene. This is even more impressive when it comes to accident resolution. One example of this is CHU Inspect. CHU Inspect offers a whole new level of innovation when it comes to building management, strata building insurance, maintenance, and repair services.
Utilising advanced technology, CHU Inspect can map out the internal and external measurements of a building with precision and intricate detail. It provides a wealth of data that can be utilised by multiple experts to report on damage, defects or assist in decisions on maintenance and repair of buildings.
They can also expedite the claim process and reduce the pain felt during a stressful situation.
4. An intelligent automated building
Like most of us, a daily routine is commonplace in our lives. From the moment we wake, to the morning shower, our breakfast habits, the work ritual and the evening’s cooking and entertainment. Within this routine, we utilise a multitude of devices that could be both efficiently and effectively managed.
Through the collection of sensory data, our repetitive patterns can optimise the use of applications. The application of sensors to buildings that would turn off the light that you mistakenly left on or adjust the temperature accordingly. Moreover, we could ensure that the power supply is disabled when you’re not home through to locking both doors and windows as you exit your home.
Such sensory application can only serve to reduce accidents and unnecessary costs while increasing both your security property and comfort.
While some of the technologies may seem a distant future, some are already being used in strata properties. The momentum for change is growing and strata industry will soon be receiving the benefits.
5. Resident engagement tools
For strata properties, clear communication between management and tenants is vital. From raising concerns to chasing up payments and scheduling maintenance, effective communication ensures all facets of a strata property run smoothly and efficiently.
Resident engagement tools like digital platforms and apps are integrative and interactive solutions for strata managers looking to streamline communications and day-to-day management.
For example, residential communication software, ResVu, is a platform that enhances the way strata managers engage with residents. The automation tool facilitates feedback forms, surveys, and organising social gatherings and community events all while providing integrated SMS and email for prompt communication.
These tools are beneficial because it fosters a sense of community and enhances resident satisfaction. Any concerns can be addressed quickly and efficiently, and daily management tasks can be streamlined for a more harmonious living environment.
6. Cost-benefit analysis
Adopting smart building technologies for strata properties involves upfront costs but they are quickly offset by the long-term savings on energy bills and reduced replacement/maintenance costs.
There are various financing options and Government incentives available to support the construction of a smart strata building or the addition of smart technologies in an existing property. For example, the Victorian initiative, Solar for Apartments, offers qualified applicants funding of up to $2,800 per apartment, or a total of up to $140,000 for buildings with up to 50 apartments, to install solar panels on their rooftops.
Up to 60% of energy consumption in large buildings like apartments come from common areas while around 25% of the administrative fund is spent on utility bills. Implementing energy-efficient solutions for strata buildings can potentially reduce common property energy consumption by up to 40%.
The cost of installing these technologies is outweighed by long-term savings, along with the environmental benefit of reduced carbon emissions. Additionally, these enhancements can increase the strata property’s value and, most importantly, contribute to the health and wellbeing of residents by providing a more comfortable and efficient living environment.
This article was supplied by CHU Underwriting Agencies
Important note: CHU Underwriting Agencies Pty Ltd (ABN 18 001 580 070, AFS Licence No: 243261) acts under a binding authority as agent of the insurer QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFS Licence No: 239545). Any advice in this article is general advice only and has been prepared without taking into account your objectives, financial situation or needs.Please read and consider the relevant Product Disclosure Statement (PDS) before you make any decisions about this product. A copy of the relevant PDS is available at www.chu.com.au.
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