Phase 3 of John Trowbridge's review of strata insurance practices has been released. In this chat, he shares his findings and recommendations, including:\n\n- how strata owners can be empowered to discuss insurance on equal terms with their strata manager and broker,\n- why we find it so hard to break away from an insurance regime that seems to perpetuate conflicts of interest,\n- the role that owners have to play in ensuring the affordability and availability of strata insurance,\n\nand more.