Can one find cover for leaking pipes?
We often see the question pop up on social media: “Is there any insurer that covers leaking or rusty pipes?” It’s a fair question, especially for those living in older…
community schemes insurance
Hot work permit: Fire risk mitigation in community schemes
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…
Insurance cover for property exposed in the open
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…
When it comes to claims, what are the owner’s rights?
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,…
How mezzanine floor extensions affect sectional title insurance
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…
The untold value of a community schemes insurance specialist
[Updated 29 April 2025] Many insurance advisors are licensed to provide intermediary services and advice to community schemes, but only a handful have the experience, knowledge and resources to properly…
Common property and disclaimer boards
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…
Property improvements not covered by buildings insurance policies
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…
Buildings insurance policies & sectional title schemes
Considering various definitions and pieces of legislation affecting sectional title schemes, we draw some attention to certain aspects of buildings cover. Defining a ‘building’ First, we need to clarify the…
How to deal with a rejected insurance claim
Few things are as frustrating as receiving a letter from your insurer stating that your claim has been rejected, especially when the damage feels obvious and unfair. This is particularly…