Sectional title insurance and technology
[Updated: 1 September 2025] When I first wrote on this topic a decade ago, the landscape looked very different: “We weren’t told about that!” was a common trustee reaction. Lack…
Mike Addison
Insurance premium and sectional title legislation
[2025 update] The obligation for sectional title schemes to maintain proper building insurance remains one of the most critical legal and fiduciary duties of a body corporate. Legislative foundation Both…
Difference between replacement value and market value
[Updated: 08 October 2024] Replacement value: This is the current cost to replace a building, i.e. to reinstate a property to its original state if completely destroyed. It excludes the…
OHS and sectional title insurance
[Updated: 14 October 2025] The topic of occupational health and safety (OHS) has once again become a focal point, especially since the publication of the OHS Act Construction Regulations, 2014…
Liability and body corporate gym equipment
[Updated: 16 October 2025] There are additional risks to consider where a body corporate has its own internal gym equipment, particularly when weights are involved. What happens if someone is…
Insurance and duet sectional title schemes
[Updated: 01 July 2025] Can we, as owners in a body corporate duet, arrange individual policies for our respective units and forego insuring as a body corporate under one policy?…
Who should arrange additional cover for sectional title schemes?
[Updated: 18 June 2025] The question of who should arrange additional insurance cover in a sectional title scheme is not always straightforward. Between the Sectional Title Schemes Management Act (STSMA),…
New developments and sectional title insurance
Risk usually passes upon registration of the first unit in a scheme, i.e. when the body corporate is formed. Getting the new body corporate policy right is important. Usually, the…
Load shedding, community living and risk
Load shedding is here and likely to be with us for a while. Load shedding brings with it a higher risk situation for owners, both concerning the buildings and common…
Replacement values and legislation
(Updated: 6 January 2025) This article unpacks the legislation and prescribed rules related to replacement values, summarising them in layman’s terms: Section 3.(1)(h) of the Sectional Title Schemes Management Act…