Quick answer: Insurance generally responds to insured events described in the policy, while maintenance is the ongoing responsibility of the body corporate or owner depending on the property area and scheme rules. Roof waterproofing failure, gradual leaks, wear and tear and lack of maintenance may be treated differently from sudden storm, burst pipe or impact damage.
The basic difference
Maintenance deals with keeping the building and common property in good condition. Insurance deals with specific insured events subject to the policy wording.
- Maintenance is planned and ongoing
- Insurance is event-based and subject to exclusions
- Both areas can overlap when damage occurs
- The cause of damage is very important
Examples of maintenance issues
Some issues may not be insurance claims if they arise from gradual deterioration or poor upkeep.
- Failed waterproofing over time
- Rust, corrosion or gradual deterioration
- Old sealant or cracked roof membranes
- Paint deterioration and normal wear
- Repeated leaks that were not repaired properly
Examples that may involve insurance
Some losses may involve insurance if they arise from a sudden insured event, but the policy wording must still be checked.
- Storm damage to common property
- Sudden burst pipes
- Certain geyser-related losses
- Impact damage
- Resultant water damage from a covered event
How trustees should manage the grey area
Trustees should document the cause, get expert reports where needed and avoid giving owners a final answer before the broker or insurer has reviewed the facts.
- Get a written contractor report
- Take photos before and after repairs
- Check claim notification conditions
- Communicate the excess and possible limitations clearly
Need help reviewing the insurance position?
Lowensvlei Insurance Brokers assists body corporates, trustees and managing agents across the Western Cape with body corporate insurance reviews, sectional title claims support, renewal checks and practical communication with owners.
Lowensvlei Insurance Brokers assists body corporates, trustees and managing agents across the Western Cape with body corporate insurance reviews, sectional title claims support, renewal checks and practical communication with owners.