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…
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…
Recently, an owner asked a question on The Sectional Title Living in SA Facebook page about the process to follow when submitting a claim following damages to her section. We…
Resultant damage: This is defined as a loss that occurs as a direct result of an act caused by an insured peril. In sectional title insurance, the most common example…
Embarking on the home-ownership journey, particularly for first-time buyers in a sectional title setting, demands careful attention to insurance matters. This enlightening article delves into crucial aspects of sectional title…
There is a bit of history behind the sectional title excess rule in in South Africa. For many years, there was no rule stipulating who should pay the insurance excess.…
There is no requirement in community scheme legislation for insurance to attend to unblocking pipes. The mainstream community scheme insurers we work with, exclude the unblocking of pipes or blocked…
The question of when insurance will pay out following a burst or leaking pipe is a contentious topic. Prior to the change in sectional title legislation in 2016 traditional policy…
Many community schemes have outdoor spaces that have well-maintained landscaped gardens that add a touch of elegance and tranquility, thereby enhancing the overall aesthetics and quality of life for the…