What is the claim procedure following damage to a section?
We were recently asked about the process to follow when submitting a claim for damage to a section in a community scheme. Here is how I responded: First step The…
community scheme insurance
Sectional title insurance: What should a new owner be looking for?
Embarking on the home-ownership journey, particularly for first-time buyers in a sectional title setting, demands careful attention to insurance matters. This enlightening article delves into crucial aspects of sectional title…
Cover for garden landscaping and removal of trees
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…
What is the insured’s contractual duty following a claimable event?
Facing a community scheme claim event can be a stressful experience. To ensure a smooth process and maximize your chances of a successful insurance claim, it’s crucial for the owners…
The difference between retaining walls and boundary walls
A boundary wall serves as a dividing structure between two pieces of land (defines boundaries) and a retaining wall serves to split levels of ground to prevent the higher level…
Do managing agents still need fidelity cover?
[Updated: 19 January 2026] Yes, managing agents definitely need their own fidelity cover. The PPRA (Property Practitioners Regulation Authority), notwithstanding that a property practitioner holds such a fidelity fund certificate,…
How to mitigate risks related to load shedding around the common property.
We have all become far too familiar with load shedding in South Africa. We wrote about loadshedding generally for the first time in 2014, when we took the view that…
Sectional Title Geyser Claims: What you need to know about limits and excess payments
One of the most common questions that arise relating to geyser claims in a sectional title scheme is: “Who is responsible for the excess, and if the replacement or repair…
How to know if your insurance claim is viable
Insurance policy wording can be hard to make sense of for an ordinary person with no legal or insurance background. An insurance policy wording creates a legally binding contract between…
Who pays the insurance excess on a burst pipe?
This is a very popular question that often highlights opposing views and differing interpretations of policy wording. Whether the pipes are on common property or within the section, a burst…