Considering various definitions and pieces of legislation affecting sectional title schemes, we draw some attention to certain aspects of buildings cover. Defining a ‘building’ First, we need to clarify the…
Subrogation is “the substitution of one person or group by another in respect of a debt or insurance claim, accompanied by the transfer of any associated rights and duties.” It…
When an insurance policy is purchased, the property owner (the insured) enters into a legally binding contract with the insurer to obtain indemnification against financial loss. This is subject to…
As a property owner, it is important to have a reasonable awareness of the condition of your property at all times. Awareness is key Being aware is essential to ensure…
Whether you buy a home as a primary property or an investment property, it is a costly endeavour where the budget is often extended to the maximum. Expenses to be…
On Friday, 24 March 2017, an industrial warehouse in Rossburgh (Durban) caught fire and burned for over three days. Owing to the nature of the warehouse contents, its location (Durban…
In the area of sectional title insurance, all members are indeed the insured. While the insurance policy is issued in the name of the body corporate, the description of the…
Few things are as frustrating as receiving a letter from your insurer stating that your claim has been rejected, especially when the damage feels obvious and unfair. This is particularly…
[Updated: 23 June 2025] There are three main ombud services in South Africa that deal with disputes involving insurance and financial loss in the context of community schemes. These are:…
[Updated: 11 March 2026] It is compulsory for a sectional title scheme to arrange a professional building valuation at least every three years. This requirement is set out in the…