How to deal with a rejected insurance claim
Few things are as frustrating as receiving a letter from your insurer stating that your claim has been rejected, especially when the damage feels obvious and unfair. This is particularly…
sectional title insurance
Ombud services that affect sectional title insurance
[Updated: 23 June 2025] There are three main ombud services in South Africa that deal with disputes involving insurance and financial loss in the context of community schemes. These are:…
Why insurance valuations are important
[Updated: 11 March 2026] It is compulsory for a sectional title scheme to arrange a professional building valuation at least every three years. This requirement is set out in the…
Geyser insurance – An update
(Updated 15 January 2025) Geyser insurance is ever evolving and affected greatly by the insurer’s response towards this risk. It is a balancing act between current legislation, client expectations and…
Claiming for water damage to fitted carpets
All insurance policies provide cover for damage to fitted carpets caused by a sudden and unforeseen flooding event. These events include events like burst pipes, burst geysers, accidental bath overflows,…
Building rate and sectional title insurance
(Updated 15 January 2025) When managing sectional title schemes, understanding the concept of “building rate” is critical. Unfortunately, many portfolio managers, trustees and owners make costly mistakes by misinterpreting this…
Mid-term change in insurance T&C’s
An insurance policy is issued as an annual contract between the insurer and the insured. Before each anniversary date, the insurer will present its intended renewal terms for the next…
When trade increases your risk profile
Many body corporate complexes consist of residential, office, retail shop and sometimes, a manufacturing factory sections. In principle, this is not a problem for insurers. The problem arises when the…
Death on sectional title property
Life in the sectional title environment can, very occasionally, take a drastic turn for the worse. Death comes to us all, but for some it takes place on body corporate…
Understanding property owners’ liability cover & trustees’ indemnity
(Updated: 30 January 2025) In the context of community schemes, particularly sectional title schemes, it is especially important for trustees and managing agents, to understand the difference between property owners’…