How to deal with multiple excesses in insurance claims
12 May 2021
When an insurance claim is submitted and settled by the insurer, in most scenarios the insurer will settle the agreed amount less the applicable excess
The risk of bush and forest fires
26 Apr 2021
On 18 April 2021, Cape Town faced a catastrophic fire on the slopes of Devil’s Peak and Table Mountain. We also recall the devastating and
The effects of Covid-19 on community scheme insurance
11 Jan 2021
During 2020, Addsure hosted a number of informative webinars on the effects of Covid-19 on community scheme insurance. Aside from doing research on this topic
When it comes to claims, what are the owner’s rights?
10 Dec 2020
In this blog article, we would like to address five common questions that often arise relating to sectional title insurance claims and the rights of
Everything you need to know about water damage claims
22 Oct 2020
Water damages comes with the territory of property ownership. Such damage can either be covered by insurance (certain sudden and unforeseen events, not wear and
How mezzanine floor extensions affect sectional title insurance
30 Sep 2020
Uses of mezzanine floors Sometimes an owner of a section will increase the area by installing a mezzanine floor, removing ceiling boards and encroaching into
What owners must know about the sectional title claims process
26 Jun 2020
The sectional title claims process is often misunderstood which can lead to conflict and unpleasantness. Understanding the process certainly goes a long way towards managing
Who pays the insurance excess on a burst pipe?
1 Apr 2020
This is a very popular question that often highlights opposing views and differing interpretations of policy wording. Whether the pipes are on common property or
Who is covered by fidelity guarantee insurance?
9 Mar 2020
Following the amendment to community scheme property legislation, most community schemes have now complied with the requirement for appropriate fidelity guarantee insurance. Specialist community scheme
Professional indemnity insurance: Who is responsible to ensure that your scheme is protected?
13 Jan 2020
Professional indemnity insurance cover is issued to provide insurance cover for a service provider in case their clients suffer financial loss, injury or property damage