Sectional title insurance and technology
[Updated: 1 September 2025] When I first wrote on this topic a decade ago, the landscape looked very different: “We weren’t told about that!” was a common trustee reaction. Lack…
Addsure
Sectional title insurance and perils not covered
The implications of uninsured perils vs. claims circumstances are illustrated in the following incident. An owner claimed for damp damage inside his section and indicated three possible causes for the…
The origin and importance of sectional title policy
The early types of insurance policy and the negative implications Initially, sectional title insurance was underwritten on the same basis as the normal buildings combined insurance. This meant that a…
Insurance premium and sectional title legislation
[2025 update] The obligation for sectional title schemes to maintain proper building insurance remains one of the most critical legal and fiduciary duties of a body corporate. Legislative foundation Both…
A property owner’s guide to preventing damage and liability
Preventing loss or damage is the responsibility of the property owner – ensure that your buildings are properly maintained and kept in good repair. Neglect or inadequate maintenance Insurers cannot,…
Difference between replacement value and market value
[Updated: 08 October 2024] Replacement value: This is the current cost to replace a building, i.e. to reinstate a property to its original state if completely destroyed. It excludes the…
OHS and sectional title insurance
[Updated: 14 October 2025] The topic of occupational health and safety (OHS) has once again become a focal point, especially since the publication of the OHS Act Construction Regulations, 2014…
Liability and body corporate gym equipment
[Updated: 16 October 2025] There are additional risks to consider where a body corporate has its own internal gym equipment, particularly when weights are involved. What happens if someone is…
Insurance and duet sectional title schemes
[Updated: 01 July 2025] Can we, as owners in a body corporate duet, arrange individual policies for our respective units and forego insuring as a body corporate under one policy?…
Who should arrange additional cover for sectional title schemes?
[Updated: 18 June 2025] The question of who should arrange additional insurance cover in a sectional title scheme is not always straightforward. Between the Sectional Title Schemes Management Act (STSMA),…