Addsure is a team of insurance advisors who facilitates the insurance claim process on behalf of our community scheme clients. Some community schemes have their own claim procedures set up according to their individual needs and dynamics. We encourage them to follow these procedures but when this information is not available, we offer the following options:
DEALING WITH AN EMERGENCY:
AFTER HOURS – BURST GEYSER / PLUMBING EMERGENCIES
Step 1: Check for your scheme’s claims procedure on your managing agent or scheme’s website
Step 2: If you cannot establish your own scheme’s claim procedure, call any of the numbers below depending on who your insurer is:
If your buildings policy is with FIRST PROPERTY ACCEPTANCES:
Call 1st Assist: 0861 225 225
Call Claims Assist: 0861 666 681
If your buildings policy is with ANY OTHER INSURER:
Call Claims Assist: 0861 666 681
Your own plumber
AFTER HOURS – OTHER CLAIMS
In the case of a fire, please call your local fire emergency services immediately.
Let your trustees or managing agent know about the claim as soon as possible, i.e. first thing next business day.
If outside business hours, on a public holiday or weekend and you need to notify someone at Addsure as soon as possible, please send an email to email@example.com or post to the Addsure Facebook page.
Take immediate steps to remedy the problem but do not complete the reinstatement or commit to reinstatement until the insurer has had an opportunity assess the loss. Eg have a plumber stop the leak and QUOTE to repair / reinstate but wait until the insurer authorizes the quote before commencing with the total reinstatement.
If the premises are totally uninhabitable, the insurer will pay for reasonable similar alternative accommodation costs for the OWNER. Should the property be tenanted, the insurer will usually reimburse proven loss of rental as a result of the insured event, within the limits provided in the policy.
Security of premises:
Where gates, doors, windows, fencing etc are damaged, and security becomes an issue, most insurers will include a measure of cover for the posting of a security guard.
In some cases, discretion should be used and some immediate repairs undertaken eg locksmith to repair lock, windows replaced, doors replaced.
Prevention of Loss:
Further losses need to be prevented e.g. burst pipes need to be repaired, fires need to be extinguished and flood waters pumped out. Trustees / owners may need to use their discretion about such after hours and confirm first thing next business day.
BUSINESS HOURS – SUBMISSION OF CLAIMS
Download Claim forms
GEYSER CLAIM FORMS [New]
ALL OTHER CLAIMS [New]
Submit claim form together with supporting documentation to ADDSURE CLAIMS
Addsure Claims firstname.lastname@example.org or fax 021 5519764
Claims Forms (Sectional Title):
Should be completed in the hand of the owner and signed by the owner (as witness) where damages are being claimed by an owner for damages to his or her section.
All claim forms should then be signed by two trustees or one trustee and the managing agent.
Addsure accepts claim forms signed solely by the managing agent as in many cases, the managing agent has been authorized to do so by way of contractual agreement or resolution or other authority. The appointed managing agent is the body corporate’s agent and Addsure will work with the appointed agent in good faith.
The body corporate is the insured and owners should direct claims via the body corporate unless other arrangements, claim procedures have been put in place.
Call centre operations should only be used by owners in respect of geyser claims as effectively, geysers are the responsibility of owners themselves. (refer prescribed management rules).
Claim forms (Homeowners Associations)
HOA claim forms should be completed by trustees / directors / managing agent and not by individual owners within the scheme. Usually, individual owners within HOA schemes should be arranging their own buildings insurance cover.
A claim form is submitted to the insurer together with supporting documentation so that the insurer can propertly assess the claim, and if reasonable in its content, possibly settle based on the information provided.
Usually, two quotations and a report from the contractor or expert as to the amount of loss (cost to reinstate) and cause of the damage.
FURTHER INFORMATION IN DEALING WITH INSURANCE CLAIMS
Dealing with insurance claims is often misunderstood in sectional title and very quickly leads to conflict and unpleasantness.