Dear Tony: After the recent rains my townhouse and two neighbours all suffered significant damage from water entering our rear patio areas.  Our townhouses on the North Shore face the hillside and an errant stream developed into our yards and subsequently our homes.  There is insurance in place for the strata corporation; however, the council decided they would not file an insurance claim and the property manager advised we were to file claims on each of our policies.   Read the Q&A………………………………..