Insurance excess and the member’s responsibility

There is a bit of history behind the sectional title excess rule in in South Africa. For many years – up until about 10 years ago – there was no rule stipulating who should pay the insurance excess. At that time, communities were divided as to whether the body corporate or the owner should pay | Read More

Supervision around common area swimming pools

It is alarming how many people will let their children go to the pool on common property without (adequate) supervision. Standard management rules or prescribed management rules do not even speak to swimming pool behavior. We can only hope that bodies corporate with swimming pools have their own revised swimming pool rules incorporated in their | Read More

Retaining walls and insurance

What is a retaining wall? A retaining wall is any wall serving the purpose of holding back soil or other material on one side of the wall, i.e. where the ground or surface levels on either side of the wall differ in height. Retaining walls are typically constructed as a sheer vertical wall or a | Read More

The risky season

It is around this time of year that we start reminding trustees and owners to take care around common property. We published a blog last year on festive season risk, suggesting that trustees send a notice to all owners about swimming pool supervision, etc. We also previously provided a checklist with tips on what to | Read More

Dealing with washing machines in sectional title units

In a sectional title environment, leaking water tends to find its way to the section below and as we know, washing machines (and their connections) leak from time to time. Water damage is a common problem. How do insurers generally view water damage caused by leaking washing machines and other appliances? Sudden event vs. occurring | Read More