Dear Tony: Is a strata entitled to collect the amount of damages from an owner when the origin of the claim is from their strata lot? Our bylaws require an owner to pay for any strata insurance deductible when they have caused a claim, but does this also apply to a flood caused by the owner when there is no claim. With high deductibles there is growing pressure on properties to claim back costs and not file claims. What steps do we take to make this a guarantee we can collect the losses?    Read the Q&A………………………………