Why you need the annual record of advice in writing
In terms of FAIS (Financial Advisory and Intermediary Services) legislation, an advisor or broker is obliged to deal with their client in accordance with the General Code of Conduct for…
Sectional Title Act
Why different types of insurance risk must be disclosed
Over the past two weeks, we dealt with the use of sections for short-term rentals. This week, we focus on the differences between residential and commercial use. Residential and commercial…
New proposed CSOS and STSM Act regulations
During 2011, the new CSOS (Community Schemes Ombud Services) Act and the new STSM (Sectional Title Schemes Management) Act were promulgated with the intention of bringing it into effect once…
Better informed trustees reduce risk
[Updated: 25 August 2025] When things go wrong in a sectional title scheme, we often hear “Nobody told us about that!” or “How were we expected to know?” Trusteeship (or…
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…
How to deal with illegal structures
[Updated: 30 May 2025] Illegal structures erected by sectional title owners remain a persistent challenge in community schemes. Let’s explore a common example and unpack the implications: The scenario An…
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…
Settling claims in a sectional title environment
[Updated: 04 August 2025] Sectional Title is unique in many ways. When one divides a building with “imaginary lines” that function much like the borders of a country, it becomes…