At 2:47 AM, hackers compromised the smart building management system of a Umhlanga complex. By 3:15 AM, they'd disabled the electric fence, unlocked the basement access gates, and disarmed the alarm system. By 4:00 AM, five units had been burgled. Total loss: R890,000. The body corporate's insurance claim was declined. The reason? "Cyber event causing physical loss." The building insurance policy covered burglary, but not burglary facilitated by hacking. The cyber insurance p

Your body corporate's insurance premium increased 18% this year. Your trustees negotiated hard, shopped around, and were told this was "competitive." Three months later, storm damage wreaked havoc on your building. The claim was declined. The reason? "Gradual water ingress" an exclusion buried on page 47 of your policy document. Welcome to the cover gap crisis facing South African sectional title schemes in 2025. The Perfect Storm South Africa's climate is changing faster tha

What if your body corporate’s Schedule of Replacement Values (SRV) , the document used to ensure the property is adequately insured and...

Insurance claims in sectional title environments remain a persistent source of confusion and possibly even tension. By grasping the...

The insurance landscape has evolved rapidly, shaped by technological innovation, shifting consumer expectations, and an increasingly...

Property owners in shared-ownership or sectional title developments frequently make improvements to enhance comfort and market value....

Sectional Title Modern South Africa's communal living sector was poised for significant activity in 2025, with sectional title complexes,...

In the past few months, we’ve noticed a concerning trend in the sectional title industry, some schemes are finding it increasingly...