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We live on the river in Brisbane. We have an older concrete boat ramp into the river. Due to tidal flow and CityCat wash some pretty serious under-gouging of the boat ramp and adjoining stairs have taken place. A few years ago the first 3 metres snapped off and fell into the river at a unusable steep slope. This resulted in a deep gutter hazard at that crack which at least now has been filled with gravel. Under the remaining ramp you can look under at low tide to see the further under-gouging underneath of another 2 metres. My question is: should something happen resulting in the next part to break off (let alone injure someone on it – though it doesn’t appear imminently collapsible) will insurance refuse to pay for this known (unreported to them tho) and obviously poorly maintained part of the property? And, should I call the insurer to enquire or will this immediately enforce a full corrective action demand by the insurer? (The committee are aware if it and had a repair quote which they found too dear so have done nothing).
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