What recourse do you have when your claim is rejected?
[Updated: 29 July 2025] Let’s be trustees who deal with disputed claims fairly and correctly! Claims are either common area claims or otherwise claims that deal with the owners’ sections.…
body corporate insurance
Community schemes and heritage buildings
Usually, bodies corporate rely on valuers to provide them with building replacement value. However, trustees and insurance advisors need to be aware that sometimes heritage buildings are not declared upfront…
The 1-2-3 Approach of Sectional Title Insurance (updated)
Sectional Title insurance mainly involves three obligatory areas of risk: Buildings Cover, Liability Cover and Fidelity Cover. A fourth segment can arguably be added: any other insurance about the buildings…
Owners’ responsibility to take care of common property
Community scheme owners can easily turn a blind eye to maintenance and safety responsibilities inside the borders of the property. All insurance policies contain conditional clauses that make this the…
Why you need to know your geyser information
(Updated 17 July 2024) A geyser is one of those fixtures most of us can no longer do without, being reliant on the convenience of a ready hot water supply.…
Loss of keys and remote access devices
All specialised communal property building insurance policies provide material damage cover for the insured property together with public or property owners’ liability cover. In terms of the specialised nature of…
How water cuts will affect building insurance
In August 2017, we first wrote about the possibility of water supply cuts in the cities affected by severe drought. Over the past four months, expected late rains did not…
Liability claims arising from storm and wind damage
With regards to the recent storm conditions in Gauteng along with the usual strong winds along our coast line: Can a body corporate be held liable when a window or…
Festive Season Risk
As we wind down for the holiday season we should pause for a moment and consider the risks associated with holidays and the environment we live in. Factors such as…
Trees on common property
(02 December 2024) When it comes to trees on sectional title common property, their maintenance, potential risks, and insurance implications can become contentious issues. This article explores the responsibilities of…