A hot work permit (HWP) is becoming an increasingly important requirement for many community schemes, as more insurance companies make it a warranty condition in their policies. This permit helps…
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…
On 18 April 2021, Cape Town faced a catastrophic fire on the slopes of Devil’s Peak and Table Mountain. We also recall the devastating and catastrophic fires in Cape St…
Insurers typically assess insurance claims for damage to buildings based on information provided in the claim form and other supporting documentation. If this information is unclear, vague or ambiguous, questions…
Most insurance policies that provide cover for damage to buildings specifically exclude damages caused by contractors on site. This means that the moment any tool is lifted to attend to…
A recent claim involved consulting structural engineers to recommend a solution to an ongoing problem with rising damp and moisture ingress surrounding an extensive area of floors and walls in…
Costs to cover security guards are viewed as a consequential loss; therefore, it is not automatically included in all policies. Most insurance policies include additional benefit extensions, providing damage cover…
(Updated: 28 January 2025) A common question in sectional title schemes is whether a residential garage can be used for storage. The answer depends on whether the garage is a…
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…
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…