Protecting your sectional title scheme: Insights from recent court cases
“See no evil, hear no evil, speak no evil” – this is what comes to mind when there are things wrong around common property, and nobody speaks up. Responsibilities In…
liability
Liability claims arising from storm and wind damage
With regards to the recent storm conditions in Gauteng along with the usual strong winds along our coast line: Can a body corporate be held liable when a window or…
Trustees and insurance renewals
[Updated 30 April 2025] In the sectional title environment, short-term insurance plays a critical role. As the name suggests, short-term insurance policies typically cover one year and must be actively…
Insurance and the managing agent: What insurance does a managing agent need?
[Updated: 29 May 2025] Sectional title insurance doesn’t just protect buildings, it reaches into nearly every corner of the community scheme ecosystem. As my colleague Candice so accurately describes it,…
Community schemes, liability and prescription
Trustees and managing agents need to be acutely aware of the prescription and the importance of reporting incidents occurring on common property to the insurer. Prescription period The prescription period…
Homeowners’ associations and insurance
[Updated: 22 August 2025] Community schemes are usually structured as sectional title schemes or HOAs (homeowners’ associations). The HOAs are usually either in the form of an association with a…
Liability: Occurrence vs. claims made basis
(Updated 3 February 2025) When it comes to liability insurance, the timing of an event and when a claim is reported can make all the difference. Two common policy types,…