Build the file for the building everyone lives in.
BC strata has been the hardest insurance market in the country for years, and what a file says at renewal follows the building afterwards. The quote is priced on specifics: the pipes, the appraisal, the water record, the deductible today. This asks exactly those, one question per screen, and shows you the whole file before anything leaves.
Review it the way a council reviews the minutes. Correct what needs correcting, then move it to the form and choose how the reply arrives.
What a complete strata and property file includes.
Strata cover in BC is priced on the questions below, and a file that answers them all gets a real quote on the first pass.
The building itself
Units, construction, age, mixed use. Size and frame set which insurers can even look at the building before anything else is read.
The pipes
Water is the loss that repeats in BC strata. For an older building, whether the pipes were replaced or relined is the first question every insurer asks.
The appraisal
A current appraisal keeps the building from being underinsured by accident, and insurers treat one inside three years as the standard.
The water record
Water losses counted separately from everything else, because the loss that happened before is the one priced as likely to happen again.
The deductible today
Tens of thousands is now normal in BC. The honest number is what sets up the real conversation about deductible protection for owners.
The renewal runway
Sixty days lets many markets quote. Two weeks does not – but bring it anyway. Lapsed and brand new buildings have their own lane.
Who is asking
A council member, a manager with a portfolio, an owner. The file says which, and a management firm gets its own errors and omissions priced too.
The record, told first
Any decline or non-renewal, said early. It happens across BC, and it only hurts when it surprises the insurer.
Building and common property, council liability, equipment breakdown, deductible protection – what you pick at the end is what the quote comes back showing, priced line by line.
Read by the desk that works the hardest market in the country.
Strata files go to the commercial desk and get read whole, not skimmed. The reply arrives the next business day, and usually the same day – email, phone, or a time to come in, chosen by you on the form.