Results From Blog
Uninsurable risk: How water failures are reshaping community scheme insurance
Across Johannesburg’s inner city, a quiet but seismic shift is underway. Entire buildings are falling out of the insurance market, not because of claims history or structural shortcomings, but because the infrastructure on which fire risk management depends, has failed. The failure of the infrastructure...
Solar panel fires in South Africa: Should you be worried?
As solar adoption continues to surge across South Africa, so too do questions around safety, particularly the fear of solar panels causing fires. It’s a concern we hear often at Bright Light, and it’s an important one to address. Let’s start with the truth: solar panels themselves are not inherently dangerous. In...
Who watches the money?
Financial instability rarely happens overnight. It develops gradually when oversight weakens and risks go unnoticed. We often see community schemes in financial distress. In most cases, the issue is not a lack of levy income but insufficient financial oversight at trustee or director level. Many schemes do not...
5 hidden items that every trustee should read
Let’s be honest, most trustees skip the Notes to the Financial Statements. They’re long, technical, and usually tucked away at the back after all the important numbers. But the reality is this: the notes are where the real story lives. They explain how the numbers...
6 Financial red flags trustees should never ignore
Being a trustee within a community scheme means you are managing other people’s money, and that can be daunting, especially if you’re new to the role. Every Rand collected, spent, saved, or delayed affects the scheme’s ability to function and directly impacts every owner. Since trustees carry a fiduciary duty...
Water security in South Africa: What community schemes should know, and why planning matters
Across South Africa, many communities are already aware of pressures on water supply. Water supply interruptions are becoming increasingly common as municipalities struggle with aging infrastructure, pump station failures, low-pressure events, and rising demand. Although “water shedding” is not formally declared, the reality is that...
Struggling to pay your levies? Here’s what you can do
Financial hardship can happen to anyone. A sudden job loss, unexpected medical expenses, or broader economic pressures can leave sectional title owners struggling to keep up with levy payments. It’s a situation more common than many realise, and it can have serious consequences not only...
Practical steps for collecting arrear levies in community schemes
Left unchecked, arrear levies can spiral into financial instability, deteriorating facilities, overdue municipal accounts, and even service disconnections. However, with a clear, structured strategy and the right financial tools, your scheme can address arrears effectively and lawfully.
Ensuring a smooth trustee handover in sectional title schemes
Trustees play a pivotal role in the government, administration, and financial management of complexes, flats and estates around South Africa. Sometimes these individuals resign or retire, which is why a proper handover is indispensable
Can trustees send final demand letters for arrear levies without owner consent?
In sectional title schemes, the issue of unpaid levies quickly becomes a point of friction. But one question that often arises from owners, especially those on the receiving end, is this: “Can the trustees send final demand letters without the owners’ approval?”
