Understanding betterment
One often hears an owner asking “What is betterment?” The question was also recently raised in The Sectional Tile Living Facebook page. Betterment is essentially about seeking an improved replacement…
insurance claims
Settling of claims in the sectional title environment
Sectional title ownership is unique in several ways. By dividing a building into sections with imaginary lines, akin to the borders of a country, it becomes essential to insure the…
How to complete insurance claim forms for community schemes
(Updated: 22 January 2025) In this article, we will break down each section of the claim form to highlight the importance and purpose of every question or component. Claimants often…
What trustees can do to mitigate loss relating to their geysers
When insurance claims become an issue, and one very often finds that geyser replacements and resulting damages are the main culprit. There are solutions to this problem. Over the years,…
How to deal with multiple excesses in insurance claims
When an insurance claim is submitted and settled by the insurer, in most scenarios the insurer will settle the agreed amount less the applicable excess or first amount payable. With…
Signing claim forms in the sectional title environment.
[Updated: 2 June 2025] When dealing with insurance claims in sectional title schemes, it’s important to consider the Sectional Titles Schemes Management Act 8 of 2011 (STSMA), its Prescribed Management…
A picture is worth a thousand words – using photographs in insurance claims
In a property insurance contract, it is the responsibility of the client to ensure there is full disclosure to the insurer when declaring the details of the property to be…
How to ensure that your insurance claim is resolved quickly
It is of critical importance that insurance claim forms are completed fully and that all details of the loss and/or damages are provided. The cause of the loss/damage must be…