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…
Mike Addison
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,…
Appointing your sectional title insurance broker
In the process of reviewing insurance, trustees often engage with several brokers to obtain the best quote. While this approach may seem prudent, it is not the best way to…
The effects of Covid-19 on community scheme insurance
During 2020, Addsure hosted a number of informative webinars on the effects of Covid-19 on community scheme insurance. Aside from doing research on this topic to share with the audience,…
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…
What owners need to know about the sectional title claims process
[Updated: 29 April 2025] The sectional title claims process The sectional title claims process is often misunderstood, which can lead to unnecessary conflict and unpleasantness. A solid understanding of how…
Who pays the insurance excess on a burst pipe?
This is a very popular question that often highlights opposing views and differing interpretations of policy wording. Whether the pipes are on common property or within the section, a burst…
Why cheaper isn’t always better
Generally, we all want insurance that offers the widest (most) cover for the lowest premium, but there are a number of other important factors to consider, particularly in the sectional…
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…