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…
Your buildings insurance offers protection for all permanent fixtures and fittings falling within the insurer’s definition of buildings. Fixtures positioned or installed in open areas or easily accessible locations on…
In this blog article, we would like to address five common questions that often arise relating to sectional title insurance claims and the rights of the owner. As an owner,…
Uses of mezzanine floors Sometimes an owner of a section will increase the area by installing a mezzanine floor, removing ceiling boards and encroaching into the ceiling area which is…
There are many insurance advisors who are licensed to provide intermediary services and advice to community schemes but only a handful who have the experience, knowledge and resources to properly…
Disclaimer boards around common property in community schemes have always been a prickly issue with the main question being around their effectiveness. We have always viewed disclaimer boards prominently displayed…
All policies define what an insured building is and may not clarify what building or property improvements are excluded from the cover. These definitions and exclusions may differ slightly from…
Considering various definitions and pieces of legislation affecting community schemes, we draw some attention to certain aspects of buildings cover. Defining a ‘building’ First, we need to clarify the definition…
In our previous blog, we discussed the three Ombud Services that affect community scheme insurance and the basic differences between their services. Let’s say, as an owner you have water…
All insurance policies provide cover for damage to fitted carpets caused by a sudden and unforeseen flooding event. These events include events such as burst pipes, burst geysers, accidental bath…