The role of the loss adjuster
What is a loss adjuster? Loss adjusters are independent claims specialists appointed by the insurer (insurance company or underwriting agency) to investigate the larger, more complex or contentious claims on…
body corporate insurance
16 Tips to Reduce Risk Before Going Away
(Updated: 30 September 2024) It’s that time of the year again; everyone is rushing around and carrying out final tasks so they can go on holiday. Sometimes, we are in…
Beware of online banking fraud
A recent experience by a valued client of ours brought this topic to the fore, and we regularly hear of other incidences where people in business have lost money due…
What does the insurance definition ‘Act of God’ mean?
Insurance is a contract between the insurer and the insured, and as such, it is subject to numerous terms and conditions as contained in the policy wording. Beyond this contract,…
The story behind Addsure’s Sectional Title Insurance Guide
[Updated 7 May 2025] The Sectional Title Insurance Guide was born out of the insurance advice process. It began as a set of bound notes for trustees and managing agents,…
The meaning of proximate cause
Insurance is a contract between the insurer and the insured; as such it is subject to numerous terms and conditions as contained in the policy wording. Beyond this contract, there…
What does ‘insurable interest’ mean?
[Updated 19 May 2025] As a contractual agreement, property insurance is subject to various agreed-upon terms and conditions and certain acceptable principles of insurance practice. One such practice or concept…
When should my broker fight for me?
Should my sectional title insurance broker ever fight for me? Yes, especially when the claim rejection is unjust or unfair. The key is whether or not the claim was fairly…
How do I maintain my geyser?
[Updated 7 May 2025)] We are often asked: “How can I maintain my geyser? There are no moving parts!” The truth is that most standard electric geysers in South Africa…
Composition of the sectional title policy
A typical building’s policy comprises two parts: the policy wording and the policy schedule. Sometimes a third part, a schedule of replacement values, is attached, although often taken as part…