Why do we pay an insurance excess?
We buy insurance to secure protection for ourselves when we suffer a property loss or damage which we cannot afford to repair or replace out of pocket. When a claim…
We buy insurance to secure protection for ourselves when we suffer a property loss or damage which we cannot afford to repair or replace out of pocket. When a claim…
In this short blog article, we explain the sectional title AGM handout and how it has proven to be an invaluable tool at sectional title AGMs. This simple A5 brochure…
While Addsure is not in the business of valuations or quantity surveying, we have decades of experience dealing with replacement cost valuations, which lie at the heart of our insurance…
When it comes to roof maintenance, property owners often overlook one critical area, roof valleys. These are the V-shaped depressions where two sections of a roof meet, and they play…
When it comes to insurance claims for property damage in sectional title schemes, many owners may wonder if they are entitled to cash in lieu of repairs. The short answer…
In community schemes, incidents occasionally arise where third parties (people outside of the scheme) experience damage or injury linked to the property. Common scenarios include a gate closing on a…
When I was a boy, fireworks were a thrill—exciting and fun! Even back in the 1970s, cities had designated areas for safely enjoying fireworks, especially on Guy Fawkes Night. Fireworks…
A hot work permit (HWP) is becoming an increasingly important requirement for many community schemes, as more insurance companies make it a warranty condition in their policies. This permit helps…
When your home and buildings are impacted by a storm, especially your living space, addressing and repairing the damage quickly becomes a top priority. In a sectional title environment, the…
The cornerstone of ensuring the protection of one’s buildings lies in accurately determining their replacement values. Prescribed Management Rules 23.(3) and 23.(4) provide clear guidance on the necessary steps to…