Sectional Title Insurance Review for Managing Agents & Trustees.
A practical, no-obligation insurance review for body corporates, trustees and managing agents who want to understand whether their current sectional title insurance is properly structured.
We review existing policies, renewal schedules and claims concerns to help identify possible gaps, underinsurance, excess issues, liability concerns and servicing problems before they become expensive.
Do not only compare the premium. Review the actual risk.
A sectional title insurance renewal should not be treated as a quick premium comparison. Trustees need to understand whether the scheme is properly covered, whether the building sum insured is realistic, whether excesses are clear and whether claims can be handled smoothly.
Lowensvlei Insurance Brokers assists body corporates, trustees and managing agents with structured insurance reviews across the Western Cape, including Cape Town, Malmesbury, the Swartland, West Coast and surrounding areas.
The aim is to give trustees and managing agents a clearer view of the current insurance position before renewal, after a difficult claim, or when the scheme is unsure whether the current policy is still suitable.
Review focus areas
- Building sums insured and replacement-value concerns
- Common property and shared assets
- Geyser and water-damage claim excesses
- Public liability cover
- Trustee indemnity cover
- Fidelity guarantee / fidelity cover
- Claims history and recurring issues
- Renewal terms and premium movement
Why a review matters.
Insurance issues usually become urgent at the worst possible time: after a geyser bursts, storm damage happens, owners are unhappy or trustees discover an excess or exclusion they did not expect.
A proper insurance review gives trustees a clearer view of the scheme’s position before those problems arise.
It also helps managing agents communicate the insurance position more clearly to trustees, owners and insurers.
Help trustees understand what they are approving.
Trustees are often asked to approve renewal terms without a simple explanation of what changed, what matters and what may cause problems later.
- Identify possible gaps in the current policy structure
- Check whether excesses are understandable and workable
- Review recurring claims or problem areas
- Highlight important exclusions or special conditions
- Prepare better questions for insurers or underwriting managers
- Improve trustee and managing agent communication
What is included in a sectional title insurance review?
The exact review depends on the available documents, but these are the main areas we focus on when reviewing a body corporate insurance policy.
Sums Insured
We check whether the current building sum insured appears aligned with the scheme’s replacement value and whether an updated valuation may be needed.
Common Property
We consider whether shared structures, common property and scheme assets are properly addressed in the insurance schedule.
Water Damage
We look at geyser, pipe, storm and water damage claims because these often create disputes around responsibility, excesses and claim handling.
Liability Cover
We review important liability sections, including public liability and cover that may protect trustees in their official capacity.
Fidelity Cover
We check whether fidelity guarantee or fidelity cover has been considered properly for scheme funds and financial risk.
Claims Process
We review whether the current claims process is practical, clear and supported by proper documentation and communication.
A practical insurance partner for your schemes.
Managing agents often carry the pressure when trustees, owners and insurers are not aligned. We assist with clearer communication, better document handling and practical insurance guidance.
- Policy and renewal review support
- Claims guidance and follow-up
- Trustee communication support
- Advice on excesses and policy structure
- Assistance before AGM or renewal discussions
When should a scheme request a review?
- Before the annual insurance renewal
- Before an AGM where insurance must be discussed
- After a difficult or disputed claim
- When geyser or water-damage excesses are causing owner complaints
- When trustees are unsure whether the current cover is adequate
- When the scheme has not had a recent replacement valuation
What do we need to review the policy?
You do not need everything immediately. Start with the documents you have available and we can advise what else may be useful.
Current Schedule
The current insurance schedule or policy summary showing the insured sections, sums insured, excesses and extensions.
Renewal Terms
The latest renewal notice or quotation, especially where the premium, excesses or conditions have changed.
Claims History
Any recent claims history or recurring claim issues, especially water damage, geysers, storm damage or common property claims.
Clearer information before trustees make insurance decisions.
Trustees do not need to become insurance experts, but they should understand the important points before accepting renewal terms or dealing with repeated claims.
Understand the cover
We explain the important insurance sections in practical language so trustees can understand what is being approved.
Ask better questions
We help trustees identify the right questions to ask about excesses, valuation, exclusions, claims and renewal terms.
Reduce surprises
We help highlight issues before they become a problem during a claim or after owners have already raised concerns.
Request a sectional title insurance review
Send us your current policy schedule, renewal terms or claims concern and we will review the insurance position and advise where improvements may be needed.
Start with a policy schedule.
The easiest way to start is to send the current insurance schedule and renewal terms. We can then advise what additional documents may be useful.
Contact details
Email: info@lvinsurance.co.za
Telephone: 022 485 7058
Address: 26 Fynbos Avenue, Tierfontein, Malmesbury, 7299
We assist schemes and managing agents across the Western Cape, including Malmesbury, Cape Town, Swartland, West Coast and surrounding areas.
Frequently asked questions
Common questions from trustees, body corporates and managing agents.
Do we need to move our insurance to Lowensvlei immediately?
No. The first step can simply be a review of your current insurance position. We look at the policy, renewal terms, excesses and claims concerns before discussing any changes.
Can you help before our AGM or trustee meeting?
Yes. A review can help trustees understand the important insurance points before an AGM, trustee meeting or renewal discussion.
What documents do you need?
Ideally, we need the current policy schedule, renewal terms, claims history if available, and any replacement valuation or specific claim concern. If you only have the schedule, we can still start there.
Can you assist managing agents with multiple schemes?
Yes. We can assist managing agents with reviews for individual schemes or discuss a structured process for reviewing multiple body corporate policies.
Do you only assist schemes in Malmesbury?
No. Lowensvlei Insurance Brokers is based in Malmesbury, but we assist sectional title schemes, body corporates, trustees and managing agents across the Western Cape.
Can you help with claims?
Yes. We can assist with claims guidance, documentation requirements, communication and follow-up, especially for geyser, water damage, storm damage and common property claims.
Review the policy before the next claim.
Speak to Lowensvlei Insurance Brokers about a sectional title insurance review for your body corporate, trustees or managed schemes.
Request a Review →