Addsure

Addsure Addsure is an insurance brokerage that specialises in sectional title property insurance

Addsure is an authorised financial services provider (FSP registration number: 15269), operating nationally across South Africa. Addsure is essentially an insurance brokerage and financial advisory practice that specialises in sectional title property insurance and financial planning.

One conversation can make a lifetime of difference.Having a will in place provides clarity, certainty, and peace of mind...
29/05/2026

One conversation can make a lifetime of difference.

Having a will in place provides clarity, certainty, and peace of mind, for you and your loved ones.

We’ve made it easy to take the first step.
Free will drafting assistance is available through trusted professionals.

Start here: https://ow.ly/8p3250YMnEM






Insurance myth vs reality: “The body corporate insurance will pay for termite damage.”Reality: Most policies exclude dam...
28/05/2026

Insurance myth vs reality: “The body corporate insurance will pay for termite damage.”
Reality: Most policies exclude damage caused by insects, vermin, birds or pets.

Examples typically not covered include:
• Termites damaging cupboards
• Rats chewing electrical wiring
• Birds nesting in ceilings
• Pets damaging doors or fittings

Insurance is designed for sudden events, not gradual infestation or animal activity.
Trustees who understand policy exclusions manage schemes better.
Learn more https://ow.ly/rQ7J50YMnCP




Cracks, sagging or stains - claim or wear and tear?Ceiling damage is one of the most reported issues in sectional title ...
27/05/2026

Cracks, sagging or stains - claim or wear and tear?

Ceiling damage is one of the most reported issues in sectional title schemes.
But here’s what insurers look at:
• Was it sudden?
• Was it unforeseen?
• Was it caused by an insured event?
If not, it’s likely wear and tear.

We’ve summarised the common scenarios on our latest page - including leaks, sagging ceilings and collapses.

Reading this may help your insurance claim advance quicker and further: https://ow.ly/nMac50YMnC7




“Why was this water damage claim rejected?”In many cases, the answer comes down to one thing - sudden burst vs gradual l...
26/05/2026

“Why was this water damage claim rejected?”

In many cases, the answer comes down to one thing - sudden burst vs gradual leak.

Insurance covers sudden and unforeseen events - not gradual deterioration

We explain it simply here: https://ow.ly/hPIp50YMnAZ




Settling claims in sectional title.In sectional title, claims aren’t about payouts, they’re about putting things back th...
26/05/2026

Settling claims in sectional title.

In sectional title, claims aren’t about payouts, they’re about putting things back the way they were.
The Sectional Titles Schemes Management Act 8 of 2011 is clear - Insurance proceeds are for reinstatement of damage.

That means:
• No cash in lieu of repairs
• No early set-off against arrears
• Repairs come first

Trustees manage the claim. Owners assist as witnesses.
Handled correctly, claims protect the scheme - not just the individual.

Read all about it here - https://ow.ly/U2Sj50YMnBr




Liability claims in community schemes - a common misunderstanding.When a gate, boom, roof tile, or common property cause...
25/05/2026

Liability claims in community schemes - a common misunderstanding.

When a gate, boom, roof tile, or common property causes damage or injury, many trustees and owners assume: “The insurer will just pay.”

In reality, liability claims are legal matters, not normal insurance claims.
• Negligence must be proven
• The insurer’s role is defence, not service to the complainant
• Trustees should never admit liability or engage informally
• Process and wording matter more than most realise

We’ve put together a clear, practical explainer blog article (including further resource links on the subject) on how liability claims should be handled, and just as importantly, what not to do.

This includes guidance on:
• Managing third-party expectations
• Protecting the body corporate or HOA
• Avoiding costly and irreversible mistakes

Read the full article here: https://ow.ly/yGFo50YMnAE






Explore what Addsure has been building.Behind the scenes we’ve been developing smart tools to make insurance easier for ...
22/05/2026

Explore what Addsure has been building.

Behind the scenes we’ve been developing smart tools to make insurance easier for schemes and managing agents.

On our demo page you can:
• Test our geyser reporting
• View our managing agent app
• See a demo body corporate page
• Meet Libby, our AI librarian

Have a look around - it’s all in one place: https://ow.ly/Q7av50Z3298



Looking for household or personal insurance?Get expert advice, personal service, and cover that actually makes sense.Cal...
21/05/2026

Looking for household or personal insurance?

Get expert advice, personal service, and cover that actually makes sense.

Call Candice Butcher and the Addsure team for a tailored quote: https://ow.ly/VgA050YMnzA

Because protecting your home should feel this easy.





Blocked pipes - insurance or maintenance?This question comes up again and again in community schemes.• The blockage itse...
20/05/2026

Blocked pipes - insurance or maintenance?

This question comes up again and again in community schemes.
• The blockage itself? Usually maintenance.
• The plumber to clear it? Maintenance.
• Sudden water damage caused by it? Often insured (resulting damage only).
• Slow damp, mould or long-term leakage? Not insured.

We’ve laid this out in a simple, practical scenario guide for trustees and managing agents: https://ow.ly/tvM750YMnzw





Water damage - Calm reassurance.Seeing water stains, mould, or a damaged ceiling can be stressful, especially when you’r...
19/05/2026

Water damage - Calm reassurance.
Seeing water stains, mould, or a damaged ceiling can be stressful, especially when you’re unsure who is responsible or whether insurance applies.

Not every water issue is a claim.
But every water issue does need the right next step.

Our About Water Damages page explains:
• When damage may be insured
• When it’s usually wear and tear
• Why identifying the cause comes first

Clear information early can save time, cost, and frustration later: https://ow.ly/gSoW50YMnyo



Professional indemnity (PI) cover protects professionals against claims arising from errors, omissions, or negligence in...
19/05/2026

Professional indemnity (PI) cover protects professionals against claims arising from errors, omissions, or negligence in the course of their work.

Whether you’re an attorney, engineer, architect, consultant, or managing agent, your advice and services carry responsibility and potential risk.

PI cover is designed to protect your business, your reputation, and your financial position when something goes wrong or is alleged to have gone wrong.

At Addsure, we offer tailored solutions across professions, with a specialised approach for managing agents in the community scheme environment.

Speak to Candice & Thuli’s team to learn more : https://ow.ly/sIJ650YMny6




Address

A1 Centurion Business Park, Bosmansdam Road, Milnerton
Cape Town
7441

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 08:00 - 16:00

Telephone

+27215515069

Website

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