In many sectional title schemes and homeowners’ associations, the question regularly arises as to whether the full insurance policy schedule should form part of the AGM pack circulated to owners.…
When does the excess become payable? When a large insurance claim occurs in a sectional title scheme, one of the first questions that usually follows is “When does the excess…
One of the questions we hear regularly when quoting on scheme building insurance is: “Why do you need our current policy and claims history? Isn’t that just to undercut the…
A concerning incident was recently raised on social media after a substantial layer of plaster reportedly separated from a concrete ceiling slab and collapsed into a kitchen area within a…
When it comes to protecting a community scheme’s money, there’s often one simple but important question: Who should arrange the fidelity cover – the body corporate or the managing agent?…
Here we focus on the buildings aspect of sectional title insurance, one of the three main areas being buildings, property owner’s liability and fidelity cover. We often hear the same…
A leaking balcony. Few things cause as much frustration in sectional title schemes. The questions usually follow quickly: Is this an insurance claim? If not, who is responsible? And how…
Damp remains one of the most common and most misunderstood issues reported in sectional title schemes. While much of the existing guidance understandably focuses on whether damp-related damage may or…
A sectional title insurance review is a structured process that helps trustees assess whether their scheme’s insurance is correctly set up, sustainable over time, and aligned with real risks, not…
It’s not uncommon for trustees or owners to ask whether their insurance will cover alternative accommodation when major repair work, such as roof replacement, is needed. The answer depends entirely…