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25/05/2024
The insurance premium is the amount that the insured must pay, either monthly or annually, to benefit from the coverage provided by the iinsurance policy in case of a loss. It is a cost associated with the maintenance, upkeep, and administration of the building. Although the co-ownership syndicate is responsible…...
25/05/2024
Most insurance policies include deductibles, with amounts varying based on the insured risk. For example, the deductible for water damage is generally higher than that for fires. The purpose of the deductible is to make the insured responsible by having them cover part of the repair costs for damages caused by…...
10/05/2024
A co-ownership may face a multitude of risks such as fires, water damages, break-ins and acts of vandalism. In the event of a loss, the co-ownership's insurance plays an essential role in ensuring its sustainability and so, by covering not only the immovable itself but also the civil liability of the syndicate of…...
27/04/2024
The law obliges syndicates of co-owners to insure their immovable; the majority of declarations of co-ownerships also have such requirement. This can be explained by the syndicate's main objective which consists to ensure the preservation of the immovable and its longevity; this is why the legislator has given to the syndicate an insurable interest and has made it…...
16/07/2023
We had water damage that damaged an apartment. The board has agreed to pay for the repairs, but we're having trouble agreeing with the co-owner on the scope of the paint job in his apartment. We offered the co-owner the restoration of the damaged wall, but the co-owner wants all…...
12/05/2021
Le mercredi 12 mai 2021, la Webradio de Condolegal.com a exploré les enjeux d'assurance que rencontrent les syndicats de copropriétaires au Québec, notamment ceux confrontés à la perte de leur assureur traditionnel. Cette Webradio a exploré les défis associés au passage obligé vers le marché de l'assurance secondaire, reconnu pour…...
10/03/2021
Le mercredi 10 mars 2021, la Webradio de Condolegal.com s'est intéressée à la connaissance que les copropriétaires ont de l'assurance en copropriété. Un sondage du Bureau d'assurance du Canada a révélé qu'une grande partie des copropriétaires maîtrise mal les nuances de cette assurance, ce qui peut entraîner des conséquences financières…...
15/12/2020
Les sinistres qui proviennent d'une unité, au sein d'une copropriété, obligent bien souvent un syndicat à payer la franchise pour faire réparer les dommages occasionnés. Lorsque l'assureur du copropriétaire ne veut pas rembourser cette franchise, un syndicat peut intenter une procédure judiciaire. Cette webradio explique comment s'y prendre....
23/11/2020
L'article 1074.2 du Code civil du Québec a semé la controverse, lorsqu'il est entré en vigueur en 2018. Plusieurs juristes estiment que les compagnies d'assurance font une mauvaise interprétation de cette disposition législative....