Damage to private property
E.g. One vehicle damages another; one owner’s renovation damages another’s flat.
It is a private matter to be settled between the owners (or their insurance).
Damage to common property
E.g. A vehicle damages a wall or gate; an owner adds/removes something without permission.
The owner is responsible for the repairs in full, to the satisfaction of the trustees. The trustees can insist on using their own vendor.
Damage to and due to geysers
Covered by insurance. See Damage to windows and doors
Due to wind or forced entry. Covered by insurance. See Damage to interior
Interior damage due to something interior (like water pipes etc.) is the owner’s responsibility. If interior damage (like a burst pipe) results to common property damage, the body corporate may claim a reasonable price of repair from the owner.
If the damage is due to water ingress (from the common property, like roof), the owner may claim a reasonable price of repair from the body corporate.
Note that the STMA does not require the body corporate itself to repair interior damage due to damage from the common property, just the reasonable price of repair, and that the body corporate must “maintain all the common property and keep it in a state of good and serviceable repair”