Damages claims and matching materials
In this blog, we discuss the matching of materials for replacement following a damage claim. Clauses included in policies All insurance policies include clauses under one or more of the…
Brian Addison
Insuring owner’s contents vs. body corporate contents
Limited cover for community-owned assets Most insurance policies that are tailored for community living needs provide a limited amount of cover for the owned loose assets of the body corporate…
Sudden damage vs. gradual damage
While policy wording may differ between traditional buildings combined cover and assets all risk cover, the basic exclusions (what is not covered) remain the same. Sudden vs gradual damage The…
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…
Common property improvements: Garden irrigation systems
The following question often arises: Are garden irrigation systems covered by the body corporate or homeowners association buildings insurance policy? If so, what are the limitations? Coverage of garden irrigation…
Cover for window glass and sectional title insurance
It is widely accepted that window glass is covered as part of the building. Residential vs commercial buildings Normal residential buildings have smaller standard windows and doors; these are included…
Generators in the body corporate environment
[Updated: 22 August 2025] More and more building owners are installing generators to provide backup electricity power. These are usually larger schemes with more extensive common property lighting, security and…
Braai fires on balconies
Trustees are often concerned about braais on balconies and whether other owners could be prejudiced, i.e. be victims of claim rejection in the case of such a fire spreading. Does…
Aerials, satellite dishes, air conditioning units on common property
These items are described as exterior fixtures and fittings and are usually owned by owners within the scheme. They are deemed to be part of the buildings, as belonging to…
Loss of rent or alternative accommodation cover
Very often, this benefit is misunderstood, and it creates disillusionment at the claim stage. We will attempt to clarify a few prevailing misconceptions with this article. What is covered? Insurance…