Maintenance & Insurance
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 excluded from coverage, along with ...
Understanding Water Damage Claims: What You Need to Know
Water damage is a common concern for property owners and can arise from various incidents. Whether your damage is covered by insurance depends on the nature of the event. Typically, insurance policies cover sudden and unforeseen events but exclude ...
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 Regulation 23 (2) of the Act: ...
Understanding Insurance Coverage Exclusions
When it comes to insurance, it's crucial to understand what is not covered by your policy. Certain exclusions can impact your ability to file a successful claim. Below is a summary of common insurance coverage exclusions to keep in mind: Wear and ...
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 understand their responsibilities regarding ...
Understanding Damp Coverage Under Sectional Title Insurance
In general, damp issues are not covered under sectional title insurance policies. While “damp” is commonly understood to mean “slightly wet” and often causes discomfort, it specifically refers to structural damp, which is the gradual penetration of ...
How to Lodge an Insurance Claim for Resultant Damage
If you've experienced damage to your unit and need to lodge an insurance claim, following the correct process is essential for a successful resolution. Here’s a step-by-step guide to help you navigate the claims process efficiently. Step 1: Review ...
How to Lodge an Insurance Claim for a Burst Geyser
If you experience a burst geyser, it’s crucial to follow the correct process for lodging an insurance claim. Here’s a step-by-step guide to help you navigate through this situation effectively. Step 1: Complete the Claim Form Claim Form: Please find ...
Guide to Required Claim Documents by Type of Claim
When submitting an insurance claim, it is essential to include the appropriate documentation to ensure a smooth claims process. Below is a detailed guide outlining the different claim documents required for various types of claims. Some claim types ...
Guide to Claim Documents Required for Insurance Claims
When filing an insurance claim, it’s essential to provide the necessary documentation to ensure a smooth process. Below is a comprehensive guide to the different claim documents you may need to submit 1. Claim Form Description: A completed and signed ...
Guide to Handling Leaks Between Units
When a leak occurs between sectional title units, it’s essential to understand the responsibilities of the unit owners to ensure prompt and effective repairs. Below is a guide outlining the process for addressing leaks between units, owner ...
Claim Procedure for Burst Geysers and Resultant Damages
To facilitate the claims process for burst geysers and resultant damages, please follow the steps outlined below: Required Documentation Claim Form: Complete and sign the attached claim form. This form must be submitted to Angor to initiate the claim ...
What to do if a pipe bursts
Sectional Title Schemes have an insurance policy covering the structure of a unit which usually includes the plumbing in the unit. If a pipe suddenly bursts, the repairs are usually covered by the insurance policy. If a pipe leaks due to old age, the ...
How to Obtain an Insurance Certificate
Insurance Certificates are issued by the Insurance Company appointed by your scheme executives. Insurance Brokers facilitate this process at a fee. On ANGOR Online, open "Insurance & Claims". Click on the button Request Insurance Certificate. An ...
What to do when your geyser bursts
Sectional Title Schemes have an insurance policy covering the common property and water heating systems (geyser/heat pump/boiler). Once the repairs/replacement has been completed, a claim can be submitted to the scheme's insurance company. To prevent ...
Update on a submitted Insurance Claim
Insurance claims are submitted to the insurance brokers by an ANGOR Insurance Administrator on receipt of all the supporting documents. The brokers determine the outcome of an insurance claim and may take up to 14 business days to process the claim. ...
Resultant Damage Claim due to a Leaking Roof, Window, Door or Pipe; a Burst Geyser, or a Leak Between Units
The Scheme's insurance policy usually covers resultant damage due to a water leak. The leak can be from the roof, windows or doors or from a neighboring unit. If the leak is linked to common property, the repairs must be approved and coordinated by ...
Why do I pay the Excess on Insurance Claims
The owner of a section is liable for the excess on insurance claims as per the Sectional Titles Schemes Management Act, Regulation 23 (2): 23. Insurance (2) A member is responsible - (a) for payment of any additional premium payable on account of an ...
Home Insurance and Household Insurance
For most people, their home is their biggest investment. It stands to reason then that you will want to ensure that you have adequate insurance cover to protect your house and the contents in your home. Let's look at your insurance options. There are ...
Scheme Maintenance
The Body Corporate appoints the Trustees to manage the affairs of the Scheme. In some instances, they may appoint a Caretaker or Estate Manager to take care of the maintenance of common property areas. Maintaining the common areas is a major part of ...
What is the Maintenance, repair and replacement plan (10 year plan)?
The Maintenance, repair and replacement plan is a detailed schedule of expected maintenance for the scheme over the next 10 years. The plan is drawn up by the Scheme Executives, who may make use of service providers to assist. The plan runs ...