Damage caused by ants, termites, vermin, etc.
Does the body corporate’s insurance policy cover damage to an owner’s section or common property resulting from an infestation of ants, termites, rats, birds, etc.? The short answer is “No”.…
Mike Addison
When additional cover is needed
[Updated: 31 July 2025] The term “additional cover” often comes up in sectional title conversations, but it is easy to see why it causes confusion. Depending on the context, it…
Why managing agents need professional indemnity and fidelity cover
(Updated 19 August 2024) A professional and responsible managing agent protects both their business as well as their client (body corporate) by having professional indemnity (PI) and their own fidelity…
Your building insurance claim was rejected. What now?
[Updated: 23 May 2025] “I’m an owner, and my insurance claim was rejected. What now?” No one feels good when they receive a letter with the words Claim Rejection. It’s…
Buildings insurance: What is covered?
[Updated: 23 April 2025] Sectional title schemes in South Africa are legally required to have various types of insurance in place to protect the scheme, its assets, and its members.…
Prevention of loss
(Updated 23 September 2024) Most policies have a prevention of loss clause, i.e. the insurer is expected to take all reasonable precautions to prevent losses. Much can be done –…
Responsibility for insurance excesses – multiple sections damaged
[Updated: 5 February 2025] Applying the insurance excess correctly when multiple sections are damaged in a claim is often open to interpretation, especially in cases involving storm damage. For this…
The 1-2-3 Approach
(Updated 23 January 2025) Since the early 2000’s, Addsure has been coaching interested owners, trustees and managing agents in the basic requirements and steps to follow in respect of sectional…
How to cover your property asset
Saving money on your homeowner’s insurance premiums isn’t really a saving when you are under-insured which will result in your payout being less than it will cost you to replace…