Who is this article for
Strata Managers who are responsible for ensuring each building remains compliant, insured and up to date with regulatory and operational requirements.
What this article covers
Where to view a building’s renewals and compliance
How to read the Building Snapshot
Insurance, certifications and risk indicators
How renewals affect the Cohabit Health Score
Using the Cohabit Insurance comparison tool
Managing upcoming and expiring items
Where to track renewals and compliance
There are two main places to view and manage compliance:
1. Building Snapshot
Shows high-level compliance, insurance, risk ratings and key expiry details.
2. Compliance & Renewals tab
Shows detailed certificates, expiry dates, valuations, insurance policies and risk insights.
Both areas contribute to the building’s Health Score.
1. View compliance in the Building Snapshot
From My Buildings → Select Building → Building Snapshot, you’ll see:
Health Score
A high-level indicator of overall building health.
Compliance and renewals heavily influence this score.
Financial Stats
Including:
Levies
Fund balances
Loan information
Special levies
These often correlate with risk assessments.
Insurance Summary
Shows key insurance data:
Premium
Sum insured
Expiry date
Insurance risk rating
Comparisons to similar buildings
If something important is missing or expired, the snapshot will highlight it.
Compliance Information
You’ll see compliance items such as:
Fire safety deadlines
Last AGM date
Record keeping quality
Building valuation details
Items may appear as:
Current
Expiring soon
Expired
Missing data
Any of these can reduce the Health Score until resolved.
Liveability, Security, Sustainability
These sections include:
Pest control
Cleaning
Building managers / concierge
Amenity rating
Solar
EV charger access
NABERS scores (if known)
These may not be mandatory compliance, but they inform the Health Score and comparisons to similar buildings.
2. View detailed renewals in the Compliance & Renewals tab
Open:
My Buildings → Select Building → Compliance & Renewals
This screen provides deeper insights into renewals and high-risk items.
Insurance Risk Rating
At the top, you’ll see:
A risk gauge (Low / Medium / High)
Comparison to similar buildings
A link to view the detailed insurance risk rating
This gives you fast clarity on the building’s insurance performance.
Insurance policies
You’ll see:
Current building insurance policy
Premium amount
Sum insured
Expiry date
Provider information
If a policy is expiring soon, you’ll see an alert.
Improving the Health Score:
Keeping insurance details updated and ensuring adequate sums insured improve the score.
Key compliance certificates
Common examples include:
Fire Safety Certificate (AFSS)
Lift Certificate of Compliance
Pool Certificate of Compliance
Building Valuation
Capital Works Fund Forecast (CWFF)
Each certificate shows:
Issue date
Expiry date
Provider
Status (current / expiring soon / expired)
Expired items contribute to a lower Health Score.
Capital Works & Building Valuation
These are important for:
Long-term planning
Insurance coverage accuracy
Benchmarking
Health Score accuracy
Buildings with outdated valuations or CWF forecasts may show lower performance indicators.
3. Compare building insurance policies
(Cohabit Insurance – optional feature)
From the Compliance & Renewals tab, click Compare Policies to open the comparison view.
Here you can:
Review your current premium
See estimated savings through Cohabit Insurance
Compare multiple insurers side-by-side
Request quotes directly
See risk ratings associated with each provider
This helps Strata Managers ensure:
Better pricing
Better coverage
Compliance with insurance requirements
Improved building health outcomes
How renewals & compliance impact the Health Score
The Cohabit Health Score is heavily influenced by compliance and renewals.
Things that LOWER the score
Expired fire safety certificates
Missing or outdated insurance details
No current building valuation
Expired pool or lift compliance
Missing documents
High-risk insurance indicators
Poor maintenance history
Things that IMPROVE the score
Up-to-date certifications
Regularly renewed insurance
Accurate and current valuations
Completed maintenance and recurring tasks
Strong capital works and admin fund balances
Sustainable practices (solar, EV chargers, NABERS ratings)
Cohabit recalculates the score automatically as data is updated.
No Score?
You will be prompted to upload documents so the Cohabit team can produce one for you.
FAQs
What if a renewal is missing?
Add the certificate or expiry date under the Compliance & Renewals tab, or upload documents directly to Cohabit.
Why is my insurance risk rating high?
You may have:
Older building infrastructure
Fewer compliance updates
A high claim history
Insufficient coverage
Missing valuations
Cohabit Insurance can provide comparison options.
Can I upload certificates manually?
Yes. You can upload any certificate (fire safety, pool, lift, etc.) directly in the building’s Compliance & Renewals tab.
Will expired items notify me?
If notifications are enabled, Strata Managers will receive alerts when:
Certificates approach expiry
Insurance is due
High-risk indicators appear
Compliance is missing
