The water reticulation system of each section is the owner’s responsibility to maintain and not the Body Corporate. The Body Corporate maintains and repairs the water reticulation system only where it is located on common property. The Body Corporate’s insurance covers only covers burst pipes (not leaking pipes).

In the event of a burst pipe, the owner must immediately make arrangements for its repair. If the problem is not addressed immediately, the outcome of the claim may be affected.The owner of the unit from which the leak is originating, is responsible for all consequential repairs, whether covered by insurance or not.

After the initial repair is completed, an insurance claim for the repair and consequential water damage can be filed. The claim form needs to be completed, signed and returned to OSRO within 30 days of the event, but preferably sooner. It is available for download here.

The following supporting documentation / information is also required:

  1. Damage report from the plumber – clearly stating the cause of the damage(s);
  2. Quotation for the repairs. In the case that the damages more than R15 000, the insurer requires 2 x quotes;
  3. Clear colour photos of all visible damages (including before and after any emergency repairs are done).

On receipt of the above, OSRO will be able to register the claim with the insurer and they will be able to determine what possible additional information / documentation is required and if necessary to appoint an assessor. An excess amount will be payable. The section owner must also confirm with OSRO once the original cause of the damages are addressed.

Once the claim is approved and the repair work can commence, all Conduct Rules with respect to construction work apply. The owner is entirely responsible for the repair to their unit and other affected units. The Body Corporate is not involved in this process unless it materially prejudices the interests of the Body Corporate.

If a leak or burst pipe affects a particular section, but originates from common property, the Trustees must be informed immediately.