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...
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...
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...
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: Claim Form...
Managing Health and Safety Risks in Community Schemes Picture it! Somebody in apartment 3b forgot about their pot of hot oil on the stove. It can happen to the best of us. But the stove was on, and that oil steadily getting hotter when they popped out to grab some...
Reporting an insured event Go online to the ANGOR App to report a problem or submit a claim, or please email insurance@angor.co.za. If the incident has occurred after hours, please contact our 24-Hour call centre on 087 006 0011 for assistance. As an owner, you are...
Types of maintenance in the sectional title environment It helps you to know that maintenance falls into a few main categories: Planned maintenance Planned maintenance which should be covered by monthly levies. Special levies can also be collected, based on larger...
Types of Insurance for Sectional Title Schemes There are various sections available in a sectional title insurance policy. Some important sections include: Buildings: Provides coverage for losses or damages to building structures and the fixtures which are attached to...
How to Claim Once the insurance policy is in place, the property owner must pay the premiums on a regular basis to maintain coverage. This is done usually as part of your levies in a Community Scheme. If a loss or damage occurs, the property owner must file a claim...
Benefits of Insurance for Community Schemes While having a Sectional Title Community Scheme insurance policy is mandated by law, it still helps to know that it is there for a good reason. Insurance provides protection to property owners against losses and damages...