Essential Insurance Covers for South African Community Schemes In South Africa, community schemes, Sectional Title Schemes and Homeowners Associations (HOAs), house over 1.2 million units, a figure underscored by recent Community Schemes Ombud Service (CSOS)...
Insurance Valuations, Claims Strategy & Emergency Repairs Insurance in community schemes is not just about having a policy, it’s about keeping it accurate, using it wisely, and knowing how to act when emergencies happen. Valuations, claims management, and...
Contractor Work, Fidelity Cover & Additional Owner Premiums Community schemes often rely on contractors for maintenance, upgrades, and repairs. While essential, contractor work brings legal, safety, and insurance considerations. At the same time, schemes must...
Trustee & Director Indemnity and Public Liability Serving as a Trustee or Director in a community scheme comes with both authority and legal responsibility. While these roles are vital for good governance, they also carry personal risk. Indemnity insurance and...
Fireplaces and Braais on Balconies – Risks and Rules Braais and fireplaces are part of South African culture, but in a community scheme, their use comes with safety concerns, legal requirements, and insurance implications. Scheme Executives must balance...
Solar and Inverter Cover in Sectional Title Schemes Solar panels and inverters are fast becoming a common sight in South African community schemes. Rising electricity costs, load-shedding, and a push towards sustainable living have driven many owners and schemes to...
Understanding Community Living Insurance Living in a community scheme, whether it’s a Sectional Title complex or a Homeowners Association (HOA) estate, means sharing not just common spaces but also collective responsibilities. One of the most important of these is...
Understanding Water-Related Damages and Insurance Coverage Water-related damages can be a significant concern for property owners. However, not all damages are covered under insurance policies. Below are some common types of water-related damages that are typically...
Understanding Owner Liability for Geysers Many owners often ask why they are responsible for certain costs, such as excess payments on insurance claims related to geysers. The Sectional Titles Schemes Management Act clarifies these responsibilities. According to...
Understanding Excess Liability in Insurance Claims Overview of Excess Liability In the context of insurance claims, the term “excess” refers to the amount the claimant is required to pay out of pocket when submitting a claim. It is important for owners to...