Sectional title insurance insights for trustees and managing agents.
Practical articles on body corporate insurance requirements, replacement valuations, fidelity cover, public liability, excesses, geysers, burst pipes, owner claims and trustee decision-making.
Useful reading before your next renewal, AGM or claim.
These articles are written for trustees, managing agents and body corporates who want clearer insurance decisions.
Sectional title insurance review checklist
A practical renewal checklist for trustees and managing agents covering sums insured, excesses, liability, fidelity cover, claims and policy documents.
RenewalsBody corporate insurance renewal checklist
A practical checklist for trustees before renewal season, including valuations, excesses, claims history, liability and AGM approval.
Managing agentsManaging agent insurance support checklist
How managing agents can prepare cleaner insurance records, claims documents and renewal information for body corporate clients.
AGM preparationInsurance questions trustees should ask before the AGM
Key insurance questions for trustees before approving renewal terms, budgets, excesses and replacement values at an AGM.
UnderinsuranceUnderinsurance in sectional title buildings
Why underinsurance happens, how replacement values affect claims, and what trustees should review before renewal.
RegulationSectional title insurance requirements
What trustees should know about body corporate insurance duties, public liability, fidelity cover and AGM insurance decisions.
ExcessesWho pays the insurance excess?
A practical explanation of excess responsibility in sectional title claims, including section-related damage and geyser claims.
GeysersGeyser claims in sectional title schemes
Who pays what, how limits and excesses work, and what trustees should check before confirming cover.
Water damageBurst pipes and water damage
Owner vs body corporate responsibility, common property considerations and claim documentation.
LiabilityPublic liability insurance for body corporates
Why public liability cover matters for common property risks and what trustees should review.
Owner claimsCan an owner claim from the body corporate policy?
When an owner may claim, what trustees should check, and why owners still need their own contents cover.
PaymentsShould claim payments go to the body corporate?
Why claim settlements should usually be controlled and properly recorded by the body corporate.
Claims wordingResultant damage vs consequential loss
A plain-English explanation using geyser and water damage examples.
ValuationsReplacement values and sums insured
Why valuations matter, how underinsurance happens and what trustees should prepare for the AGM.
FidelityFidelity cover for body corporates
Scheme funds, fraud/dishonesty risk and questions trustees should ask before renewal.
ClaimsSectional title claims checklist
Practical documents and steps for geyser, water damage, storm and common property claims.
Common sectional title insurance questions
These are the questions trustees, managing agents and owners often ask when dealing with body corporate insurance.
Who pays the insurance excess in a sectional title claim?
It depends on the policy wording, scheme rules and the nature of the claim. In many section-related claims, the owner of the affected section may be responsible for the excess, unless the body corporate has made a different rule or decision in the correct way.
Does the body corporate insurance cover geysers?
Geyser claims are common in sectional title schemes, but cover depends on the policy wording, claim cause, limits and exclusions. Trustees should check how geyser replacement, resultant water damage, maintenance and excesses are treated.
Does body corporate insurance cover an owner’s contents?
Usually no. Body corporate insurance generally focuses on the buildings and scheme-related risks. Owners should arrange their own contents and personal insurance.
How often should a body corporate get an insurance valuation?
Trustees should keep replacement values current and ensure the replacement value schedule is properly reviewed. A professional valuation is commonly expected at regular intervals, especially before renewal and AGM approval.
What is fidelity cover for a body corporate?
Fidelity cover protects scheme funds against certain losses involving fraud or dishonesty by people who handle or control body corporate money, subject to policy terms and conditions.
Can an owner claim from the body corporate insurance policy?
In some cases, yes. It depends on the type of damage, the section or common property involved, the policy wording and the scheme rules. Trustees should check the policy before confirming cover to an owner.
Built for trustees, not only insurance people.
Trustees need clear, practical explanations before they approve insurance renewals, handle claims or answer owner questions.
These insights help trustees ask better questions and prepare cleaner records.
Helpful for trustee meetings and AGMs.
Use these articles to prepare for insurance reviews, AGM discussions, managing agent meetings and claim follow-up.
- Understand core insurance obligations
- Prepare better renewal questions
- Keep stronger claims records
- Review public liability and fidelity cover
- Check replacement values before renewal
Need help applying this to your scheme?
Lowensvlei Insurance Brokers can assist trustees and managing agents with a practical sectional title insurance review.
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