Resultant Damage Claim due to a Leaking Roof, Window, Door or Pipe; a Burst Geyser, or a Leak Between Units

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 the Scheme Executives. If the scheme has an Estate Manager, the Estate Manager may assist in this regard. Once the appointed contractor has completed the repairs, the resultant damage can be repaired.

Please submit the Resultant damage claim as soon as you notice the damage.
Claims must be submitted within 30 days of the damage occurring. You can submit a claim before the cause of the damage (leak) has been repaired. You will need to provide proof of the repairs of the cause of the damage to your unit, in the form of an invoice for or report on the repairs in order to finalise the claim. ANGOR can assist you in obtaining this document.

If the resultant damage is due to a leak between units, contact your ANGOR Portfolio Specialist Administrator or Estate Manager (where applicable) in order to facilitate the process of discussing the matter with the respective owners. Leaks between units are not a Body Corporate responsibility. The unit owner whose unit is causing the damage is responsible for repairing the cause of the damage. Proof of repairs of the cause of the damage will be required in order to finalise the claim.

  1. On ANGOR Online open the "Insurance & Claims" page.

    1. If your scheme deals directly with the Insurance Company a call centre number will be displayed. Contact the Call Centre.

    2. If ANGOR assists with claims for your scheme, you will be able to view information and submit a claim on the "Insurance & Claims" screen.

    3. Open the "Submit a Claim" page for Resultant Damage.
      Review the information and claim limits.

      1. Please note that any costs not covered by the insurer will be for the registered owner's account.

  2. Contact 2 certified service providers/contractors of your choice for assistance. If your scheme has contractors that are familiar with the scheme, their details will be listed on the "Insurance & Claims" tab under "Preferred Suppliers".
    * For Resultant Damage, take photos of the damage and obtain 2 detailed damage reports and 2 quotes for repairs. Request proof of repairs of the cause of the damage from ANGOR.

  3. Complete the Insurance Claim for the incident within 30 days of the incident and upload the required documents to process the claim.

    • Related Articles

    • 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 ...
    • 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 ...
    • 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 ...
    • Insurance & Claims page

      The "Insurance & Claims" page will display different information depending on the scheme set-up. If a scheme deals directly with the Insurance Company a call centre number will be displayed. If ANGOR assists with claims for a scheme, you will be able ...
    • 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. ...